The state of Oregon is home to a wide variety of bodies of water. From the west coast of Oregon touching the Pacific Ocean to the desert rivers and lakes of East Oregon, the state's waterways go from tranquil and peaceful to wild and dangerous. Whether you use a kayak or yacht, boat insurance is a must because accidents are bound to happen. Before you go about shopping for boat insurance quotes, read the following information to learn more about boating and the reasons to have boat insurance.
In Oregon, all boaters operating a vessel must have a boater education card on their person. Additionally, Individuals 16 and under may only operate a vessel under the guidance of someone 18 or older who has a boater education card. No one 16 or under may operate a PWC, and only those 18 and over can rent a PWC in Oregon.
Boat insurance affords you coverage from some of the most common risks and dangers of boating. Just like a life preserver, boat insurance can protect you when you need it the most. A typical boat insurance policy in Oregon may contain the following coverage:
Boat insurance can cover most types of vessels. The following is a list of some of the most common types of boats that a boat insurance policy in Oregon can cover:
The list above is not exhaustive. If you own a boat other than one of these types, coverage is most likely available. Getting quotes and discussing your insurance options is the best way to make sure you have adequate coverage.
The risks and exposures you will experience may differ from those of other boaters, so insurance prices may vary accordingly. When getting quotes for boat insurance in Oregon, make sure you are familiar with the following:
Insurance providers will consider all of the above factors before giving you boat insurance quotes to make sure you are getting the proper coverage.
Just like many other insurance policies, there are discounts available on boat insurance. The discounts most commonly offered with boat insurance policies may include the following:
Each insurance company offers different discounts, so be sure to inquire about any discounts you may be eligible for.
When deciding on boat insurance, it's important to have a professional by your side who understands boaters. A Trusted Choice® agent is always available to help you find coverage, suggest discounts and even help you file a claim.
Contact a local Trusted Choice agent for more information on quotes and coverage options for your boat.