Why You Need Boat Insurance

States mandate their own insurance laws for required coverage. In Oregon, boat insurance isn’t required, but it’s recommended that all boaters have boat insurance to protect themselves. Boats are an expensive investment, and you must also protect them. If you’re in Oregon and have a boat that isn’t insured, call us at Linda Dugan Insurance in Astoria, OR to find out more and get started. 

Accidents While Boating

When you have your boat on the water, it’s possible for it to get into a collision. When this happens, and you are at fault, you will be held responsible for all the damage caused by the accident. This can be highly expensive, and it can be challenging for many people to come up with. To prevent an accident from ruining you financially, there is boat insurance. This coverage can protect you against your liability when you cause an accident. With this coverage, you can go boating with better peace of mind. 

Other Boat Insurance Coverage

In addition to liability coverage for your boat, there are other types of boat coverage that you can use to protect yourself against several expenses. If you get comprehensive boat insurance, this protects your boat against other accidents and events that can happen when it isn’t on the water. Another coverage type is property damage coverage, which will pay for lost items due to an accident. If you have bodily injury liability, it will pay the medical bills for other parties who get into an accident with you. 

Get Boat Coverage

When you own a boat, getting boat insurance is the smart choice. Call us at Linda Dugan Insurance in Astoria, OR when you have a boat and need insurance coverage.