Boat Insurance Portland

As your go-to team for custom boat and watercraft insurance, we speak your language. From your first boat to your fully custom performance craft, we know what it takes to stay covered. At JMI Insurance, you’re never stuck in a checkbox app that doesn’t know the value of your boat. We work for you to find the best rates in town without skimping on the protection you actually need.

Boating in Oregon is more than a hobby. It’s a lifestyle. At JMI Insurance, we understand the love of open water, the thrill of a wake, and the peace when you drift. Whether you’re cruising through the Columbia River, or carving wakes on the Willamette, we got you covered. We have all the best Portland boat insurance coverage you need to enjoy the water.

Your boat is not just a purchase, it’s a way of life. We help boaters in Oregon, Washington, and California protect that investment with smart policies designed around how you actually use your boat.

Boat Insurance in Oregon, Washington & California:

• Wake Boats
• Sailboats & Catamarans 
• Speedboats
• Yachts & Cabin Cruisers
• WaveRunners, Jet Skis & Jet Surfboards
• Ski-Boats & Day Cruisers
• Fishing Charters & Bass Boats
• Commercial Fishing Vessels
• Tour Boats & Charters
• New Personal Watercraft Insurance
• New Boat Insurance
• Used Boat Insurance 

Each state brings its own set of risks, regulations, and weather patterns, which is why we tailor your coverage based on where and how you use your watercraft. From the rugged beauty of the Columbia River Gorge to the sunny marinas of San Diego, we help you navigate coverage options that make sense for your lifestyle. At JMI Insurance, we work with trusted carriers across Oregon, Washington, and California to secure the best boat insurance protection for the best rates in town. 

We live here. We boat here. That means we know the risks and conditions of Oregon’s lakes, rivers, bays, and coastal waterways. From Portland to Bend, Eugene to Astoria, and everywhere in between, we help boaters find better Oregon boat insurance coverage with better service.

Boating in Washington comes with unique risks. Tough coastal weather, strong river currents, and busy bays and waterways require solid, reliable boat insurance coverage. At JMI Insurance, we don’t just plug your info into a generic quote form. We take the time to match you with coverage that makes sense for your lifestyle and your vessel.

From the rocky shores of Big Sur to the sunny marinas of San Diego, California is a boating paradise, but California’s boating excitement comes with some risks. Harbors are packed, lake levels fluctuate, and coastal fog can roll in without warning. That’s why it’s essential to carry the right boat insurance coverage. Whether you’re cruising Lake Tahoe, sailing out of Marina del Rey, or ripping across the Delta in your jet boat, JMI Insurance helps you protect every wave of your investment. As an independent agency licensed in California, we offer flexible, custom boat insurance tailored to your needs.

Wake boats can be a big investment, and they deserve boat insurance protection. From inboard engines and ballast systems to tower speakers and custom wraps, wakeboarding boats are uniquely equipped. That’s why our policies go beyond generic marine coverage because we understand the specific needs of wake sports.

Wake Boat Insurance Coverage:

• V-drive Wakeboarding Boats

• Wakesurf Boats

• Tournament-Ready Wake Boats

• Crossover & Multi-Sport Boats

• Custom Towboats

• High-Horsepower Inboards

• Upgraded Ballast & Surf Systems

When you’re launching from a busy dock or landing a trick, unexpected accidents can happen. JMI Insurance builds custom coverage to keep your wakeboarding boat protected from damage, liability, and loss.

Coverage options include:

• Full Hull Protection – On and Off The Water
• Liability Coverage – Injury or damage caused to others
• Watersports Liability – For wakeboarding, surfing, tubing, etc.
• Towing and On-Water Assistance
• Trailer & Transport Coverage
• Equipment Coverage – Towers, ballast pumps, audio, etc.
• Custom Paint & Wrap Protection
• Personal Property & Gear – Ropes, vests, wakeboards, wetsuits

Sailboats can be a major investment so it deserves the right insurance protection. From sudden storms and dock accidents to uninsured boaters and equipment theft, our policies protect what matters most. You get the coverage you need, transparent terms, and responsive claims service when it counts. It’s that simple. With JMI Insurance, you can sail confidently with:

• Sailboat Insurance in Oregon, Washington & California

• Hull and Equipment Protection

• Liability Coverage for bodily injury or property damage

• Coverage for Sails, Rigging, and Auxiliary Engines

• Fuel Spill Liability

• Medical Payments Coverage

• Uninsured/Underinsured Boater Protection

• Agreed Value or Actual Cash Value Options

• Emergency Towing and Assistance

• Coverage for Dinghies and Tenders

• Extended Navigation Coverage (coastal and offshore)

Whether your sailboat is built for a relaxing Sunday cruise or offshore adventures, we offer specialized policies that fit your vessel and your lifestyle.

• Daysailers
• Trailerable Sailboats
• Cruising Sailboats
• Catamarans
• Trimarans
• Racing Sailboats
• Bluewater Sailboats
• Pocket Cruisers
• Performance Sailboats
• Luxury Sailing Yachts
• Sailboats with Auxiliary Engines
• Liveaboard Sailboats
• Classic and Wooden Sailboats
• Custom-Built Sailboats

We understand high-performance vessels.Your performance speedboat demands more than a basic boat insurance policy. With high speeds come increased risks of collisions, engine failure, transport issues, and liability exposure. We tailor each policy to your boat’s specs, value, and how you use it. No off-the-shelf coverage here at JMI Insurance, we provide precision protection for the best rates in town. 

• Eliminators, Checkmates, Donzis, Formulas & More
• Pickle-Forks
• Cigarette Boats
• Go-Fast Boats
• Catamaran Speedboats
• Tunnel Hulls
• Fountain Boats
• Tuned V-Bottoms and Offshore Racers

We work with top-rated carriers to deliver policies that are as tough as the boats we protect. Every quote is custom-built, and we’ll walk you through the coverage you need to feel confident at full throttle.

• Full Agreed Value or Actual Cash Value Coverage
• Collision & Comprehensive Damage
• High-Limit Liability
• Racing & Performance Endorsements (when applicable)
• Transport & Trailer Protection
• Theft & Vandalism Protection
• Personal Effects & Custom Equipment
• On-Water Towing & Emergency Assistance
• Medical Payments & Guest Liability

Get the yacht insurance coverage your need for serious watercraft in Oregon, Washington, and California. From 30-foot cruisers to 100-foot luxury yachts, we understand the unique coverage requirements that come with owning a premium watercraft. You need specialized insurance designed for high-performance marine engines, extended voyages, and valuables.

• Motor Yachts
• Luxury Cabin Cruisers
• Sportfishing Yachts
• Catamarans
• Expedition Yachts
• Flybridge & Sedan Cruisers
• Tri-deck & Mega Yachts
• Liveaboard Vessels

We customize your yacht insurance policy based on where you cruise, what you carry, and how often you’re on the water. Your plan may include:

• Agreed Value or Market Value Hull Coverage
• High Liability Limits for Guest Injuries or Damage
• Onboard Equipment & Personal Property Protection
• Storm & Hurricane Coverage
• Emergency Towing & Assistance
• Pollution Liability & Fuel Spill Protection
• Crew & Captain Coverage (if applicable)
• Worldwide Navigation Options
• Coverage for Tenders, Dinghies, and Jet Skis on Board

You know your Jetski, Waverunner, or Jet Surfboard deserves real protection. High-performance machines come with unique risks, and we make sure you’re covered from launch to dock. From ripping down the Columbia River  to catching waves off the Oregon Coast, we help you stay protected against theft, damage, liability, and more. At JMI Insurance, we don’t just check boxes in some unknown app, we customize every policy around how you ride, where you ride, and what matters most to you. Let’s get your watercraft dialed in with the right coverage for the best rates in town. 

Personal watercraft are fast and tons of fun. However, they also come with risk of unexpected collisions, theft, guest liability, and even fire. PWC owners need coverage that holds up. That’s why we create customized insurance plans that protect you, your gear, and your time on the water. We insure:

• Yamaha Waverunners
• Sea-Doo Watercraft
• Kawasaki Jet Skis
• Jet Surfboards
• Stand-Up & Sit-Down Models
• Performance & Racing PWCs
• Multi-Passenger PWCs
• Electric & Custom-Built Models

When you’re towing friends on a wakeboard or heading out for a full day on the lake, your Ski-Boat or Day Cruiser needs coverage. These boats are built for fun, but accidents, weather, or unexpected breakdowns can sink your plans fast. That’s where we come in. At JMI Insurance, we tailor policies that cover everything from towing and damage to liability and gear. Whether you’re fishing Hagg Lake or cruising the Columbia on a sunny afternoon, we make sure your investment is fully protected. 

Whether you’re casting lines on the Columbia River, running charters off the Oregon Coast, or chasing bass on local lakes, your fishing boat is more than a hobby. At JMI Insurance, we specialize in custom fishing boat insurance policies for anglers, guides, and charter captains throughout Oregon, Washington, and California. We don’t offer one-size-fits-all policies. Instead, we take the time to match your boat, equipment, and operations with coverage that actually works for you.

• Bass Boats – Tournament-ready, high-performance, and gear

• Aluminum Fishing Boats – Lightweight 

• Center Consoles – Ideal for coastal angling

• Charter Fishing Boats – Full-time commercial guide vessels

• Drift Boats & Jet Sleds – Designed for rivers and guides

• Offshore Fishing Boats – Larger boats made for deep sea trips

• Pontoon Fishing Boats – Perfect for calm lakes and casual fishing

From crab pots off Astoria to longlining near Coos Bay, your vessel, crew, and gear face serious risks every time you leave the dock. At JMI Insurance, we provide commercial fishing insurance tailored to the needs of operators in Oregon, Washington, and California, with coverage that keeps your boat working and your business protected. We customize every policy to your vessel, operation, and season. Common coverages may include:

• Hull & Machinery Insurance – Damage to your boat, engine & equipment

• Protection & Indemnity (P&I) – Liability coverage for bodily injury, property damage & pollution

• Crew Coverage (Jones Act) – Injury and medical coverage for your deckhands and crew

• Catch & Cargo Coverage – Protects your catch while onboard or in transit

• Gear & Equipment Insurance – Nets, traps, electronics, and other tools of the trade

• Commercial Liability – Covers business-related risks including fuel spills and dock damage

• Business Interruption – Compensation for income lost due to a covered event

• Ice & Freezer Breakdown Coverage – For vessels with onboard cold storage systems

• Port Risk Coverage – If your vessel is laid up or docked for maintenance

Get the tour boat insurance you need to stay protected. Running jet boat tours or large sightseeing vessels isn’t just about delivering an unforgettable experience. It’s about keeping your passengers, crew, and business protected. At JMI Insurance, we specialize in custom insurance solutions for commercial tour boat operators across Oregon, Washington, and California. From the Willamette River and the Columbia Gorge, to Lake Shasta and Puget Sound, we help you navigate the waters of marine insurance coverage. We work with a wide variety of tour operators, including:

• Jet Boat River Tours
• Whale Watching Vessels
• Dinner Cruises and Charter Yachts
• Historic Sternwheelers and Paddle Boats
• Lake and Harbor Tour Boats
• Glass-Bottom Boat Tours
• Wildlife Viewing and Eco-Adventure Vessels
• High-Speed Offshore Thrill Rides

Owning a Personal Watercraft is fun, but it also comes with responsibility. A split-second miscalculation can lead to serious injuries, property damage, r expensive legal claims. That’s why it’s essential to have a policy designed specifically for personal watercraft.

We provide custom-tailored insurance plans that can cover:

• Accidents & Collisions
• Liability for Bodily Injury or Property Damage
• Medical Payments
• Uninsured Watercraft Coverage
• Towing & Assistance
• Theft, Vandalism & Fire
• Accessories & Custom Parts

We work with top-rated new personal watercraft providers in Oregon, so we’re able to build your policy around your new watercraft specs and customizations to ensure you’re covered. And, we’ll discuss how you actually ride, so you’re not overpaying for coverage you don’t need and you’re covered where it matters most.

At JMI Insurance, we know the Willamette, Columbia, and everything in between. From glassy mornings in Central Oregon to saltwater runs off the California coast, we offer boat insurance designed to keep you protected wherever you launch. Whether you’re navigating calm lakes, towing tubers, or chasing salmon, you need coverage that reflects the value of your boat and your risk exposure. We deliver customized boat insurance policies built for your vessel and your adventures.

If it floats, chances are we cover it. We write insurance for:

• New Wake Boats & Ski Boats
• New Speedboats
• New Fishing Boats & Bass Boats
• New Charter Vessels
• New Yachts & Cabin Cruisers
• New Sailboats
• New Jet Boats 
• New Houseboats 
• New Jet Skis, Waverunners & PWCs

We know the waters and we work with top-rated new boat providers in Oregon on a regular basis. That means we’re able to craft your custom policy around your new boat specs to ensure you’re covered.  Plus, we take the time to discuss how you actually plan to use your new boat so you’re covered where it matters most.

Even if you paid less than new, the risks are the same. Collisions, storm damage, liability, theft, and breakdowns don’t care how many previous owners your boat had. We insure all makes, models, and ages of boats. As long as the vessel is in good working condition and passes carrier inspection guidelines, we’ll work to get it covered. This includes:

• Used Ski Boats
• Pre-Owned Fishing Boats
• Secondhand Sailboats
• Refurbished Yachts
• Jet Boats & Day Cruisers
• Used Jet Skis & PWCs
• Tour & Charter Vessels
• Houseboats & More

Buying a used boat can be a smart move. At JMI Insurance, we specialize in helping boaters cover pre-owned vessels with reliable policies. Whether you scored a great deal on a wake boat, fishing boat, or any quality used boat, we’ll help you insure it properly. We know the waters and we work with top-rated used boat insurance providers to get you the best rates in town.

Before you head out on the water in Oregon, it’s essential to understand the state’s boater safety laws. Whether you’re piloting a ski boat on Lake Billy Chinook, cruising down the Willamette, or fishing the Columbia River, Oregon has clear requirements that every boat owner must follow. At JMI Insurance, we don’t just provide great boat insurance, we help you stay compliant and protected.