Boat/Watercraft Insurance in Oregon

Owning a boat means doing everything you can to ensure it remains protected. We offer boat insurance here at H & R Insurance Group LLC in Portland, OR. Operating any watercraft puts you at risk of accidents the same way driving a vehicle can. We can find you the perfect policy to match your needs, so you can feel confident that you’ll always remain covered no matter what happens.

Boat/Watercraft Insurance Requirements

Oregon does not require boat insurance. But it is still highly recommended. Specific lenders may require you to purchase a policy if you finance or lease your vessel.

Boat/Watercraft Insurance Coverage

The following are all different types of coverage for your boat. You can choose from any of these coverage options to protect your boat, whether it is parked or in the water.

  • Personal effects: This covers your personal property if damage or loss occurs to any of them while you are on your boat.
  • Fishing equipment: This covers your fishing equipment if it becomes damaged.
  • Collision: If you collide with another boater, this covers damage to your boat, regardless of liability.
  • Comprehensive: If theft, storms, or fire damages your boat or watercraft, this will cover repair expenses.
  • Medical payments: This covers your medical expenses if you are injured while operating your watercraft. Your passengers are also covered if they are injured.
  • Roadside assistance: This coverage provides on-site labor or towing at no expense to you.
  • Uninsured/underinsured: This covers you if an uninsured or underinsured boater causes an accident while you are in the water.

Contact H & R Insurance Group LLC

If you are interested in receiving a boat insurance quote, call H & R Insurance Group LLC today. Our office is located in Portland, OR.