Boat Insurance in Ontario - Relaxed and Worry‑Free on the Water

Know where you're covered. Markets we work with offer flexible navigation-from Ontario inland lakes to Canadian coasts, U.S. coastal waters, and even select blue‑water/offshore voyages (where eligible). We'll match the wording to your plans.

Unlike Actual Cash Value, Agreed Value settles a covered total loss at the value listed on your policy (minus deductible). Availability varies by age/value and underwriting.

Helps protect you if you're legally responsible for injury or property damage on the water. May include defense costs, salvage liability, and damage to others' property (limits vary).

Helps with medical expenses for you and your passengers (and often water‑skiers/tubers) after a covered accident, regardless of fault. Typical limits start around $5,000.

Helps repair or replace your boat, engines, permanently attached equipment, and trailer if stolen or damaged by a covered cause of loss.

If an uninsured or underinsured boater injures you, this coverage can help with treatment, lost income, and related costs (limits vary by market).

If your vessel sinks or is seriously damaged, you could be responsible for fuel/oil cleanup and wreck removal. Many marine policies address these exposures-ask about limits and conditions.

Coverage for items like foul‑weather gear, bedding, linens, and sporting gear kept on board (special limits apply; diving gear and fishing equipment may need separate limits or scheduling).

Items designed primarily for use on a boat but not permanently attached-e.g., life‑saving gear, anchors, oars, skis, extinguishers, tarps-subject to limits.

Helps cover reasonable towing costs to the nearest repair facility and certain emergency services (per policy wording).