Brandt v. Premier Insurance Co.

This is an action to recover damages under the terms of an insurance policy. Plaintiff, the owner of a 27' Owens cabin cruiser, insured his boat with defendant under the terms of a “watercraft policy” which provided, in part, as follows:

“PERILS INSURED: The perils insured against hereunder are all risks of direct physical loss or damage from any external cause, * * * that have come or shall come to the hurt, detriment or damage of said watercraft " ° ®.” (Emphasis supplied.)

The boat was normally moored at McCuddy’s Marina, Portland. The plaintiff took the boat to the mouth of the Columbia…