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Boat Insurance in Ontario – Protect Your Watercraft with Confidence

Owning a boat in Ontario is all about freedom, adventure, and time on the water. Without the right protection, one accident can quickly become costly.

At Duliban Insurance, we help boat owners across Niagara and Ontario find affordable, customized boat insurance policies that protect their vessels, passengers, and financial future.

Set sail with confidence and savings with Ontario Boat Insurance!

Boat insurance (also known as watercraft insurance) is designed to protect you from financial loss due to damage, theft, accidents, or liability while operating your boat.

A standard Ontario boat insurance policy can help cover:

Damage to your boat from collisions, fire, or storms
Theft or vandalism
Liability if you injure someone or damage property
Medical expenses for you or your passengers

What type of watercraft can be insured?

Most motorized watercraft require a separate insurance poilcy in Ontario. Vessels which qualify for this insurance:

Coverages

Boat Insurance in Ontario covers these 4 basic risks:

Do You Need Boat Insurance in Ontario?

Boat insurance provides essential financial protection for both your vessel and others on the water. While not legally required, you may need boat insurance if:

You finance your boat
You store it at a marina
You want liability protection

Without insurance, you could be responsible for:

Repair or replacement costs
Medical expenses
Legal liability claims

Optional Coverages

What would we recommend?

We stand firmly behind our necessary coverages, but sometimes a little extra protection can make a big difference. In addition to those listed above, consider the following optional coverages to better protect yourself and your investment.

Frequently asked questions

Your questions, asked and answered by our team.

How much does boat insurance cost in Ontario?

Insurance rates are dependent on boat size, horsepower, boater experience and operational range. For a boat that’s $20,000 in value, rates start at $300/ year. For boats closer to $100,000 in value, rates begin around $1,500/ year in order to properly insure the vessel and its contents.

What do I do in the event of a claim?

Claims and accidents are known to happen, even when we’re operating with the highest level of safety. We provide a 24/7 claims support service that’s there for you when such events occur.

Is boat insurance mandatory?

Boat insurance is not mandatory in Ontario, however it is recommended. In the event you are financing a boat, you will be required by the bank to carry insurance until the loan is completed. If you moor your boat in a marina, you may need to carry a certain amount of liability insurance in order to continue housing your vessel at such a location.

Does home insurance cover boats?

No, your home policy is not designed to provide coverage for your watercraft. This must be added onto an additional rider. For this reason, we recommend considering an individual boat insurance policy.

What do I need to carry when on the water?

Anyone operating a boat in Canada must possess their Pleasure Craft Operator’s card.

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Geeti Malek

3 days ago

I had a great experience setting up my auto and tenant policy with Hilary. I highly recommend her and Duliban Insurance!

Ryan Vaisanen

4 days ago

Always amazing service. Wouldn’t go to another insurance office. 10/10 recommend

Charles Hunter

4 days ago

Very nice and respectful staff excellent service

Hunter G

4 days ago

Damian - he’s the guy! When I needed coverage quick, he followed through and got me just what I needed. Thank you Damian and Duliban!

Sylvia G

4 days ago

I was referred to Damian Poznanovic by a longtime friend and am very pleased with the service I received. He was professional, knowledgeable, reliable, and extremely responsive throughout the entire process. He was able to secure me more affordable car insurance and took the time to answer all of my questions thoroughly without ever making me feel rushed. From my initial contact to having everything completed the entire process took less than 24 hours. I would highly recommend his services and will be referring him to others. Thanks Damian.

Brandon

4 days ago

Very great service, really informative I. An understanding and helpful way. Definitely a person with patience and communication skills. Thank you very much ”Damian Poznanovic” you should be the owner of the company!!!

Chantelle Gubbels

5 days ago

I just signed up for car insurance with this company duliban insurance brokers they were kind friendly quickly to respond back and take care of all my insurance needs the quote I got online and the quote, I got on the phone, we're not much of a difference, only a couple dollars difference.So that was nice and Damian Poznanovic was an awesome help at getting my insurance started and setting up my plan and making sure that I knew everything that I needed to know. And that all my questions were answered

Janet Crumb

5 days ago

Hilary Phelps. Did her very best to get quotes for me.

Elia EgooZ

5 days ago

I had a great experience with Duliban Insurance Brokers, especially working with Damian Poznanovic. He was incredibly helpful, knowledgeable, and took the time to answer all of my questions. He made the entire process simple and stress-free while helping me find the best coverage for my needs. I truly appreciate his professionalism and excellent customer service. Highly recommend Damian ❤️

Carmine Di Felice

6 days ago

Hilery Phelps,she is Awsome. Very Punctual, responds within a short time of the initial contact via e-mail or message

Nicole Shantz

6 days ago

Excellent service! Hilary was friendly, responsive, and made the entire process quick and easy. She answered all my questions promptly and helped me find the right coverage. Highly recommended!

Robert Ostajewski

6 days ago

Damian gave me the best insurance coming from Quebec to Ontario.

Patrick Richards

7 days ago

Excellent service very professional highly recommend thanks Lisa

Nicole Calabrese

1 week ago

Amy brown was amazing to work with thank you so much for helping me. She saved me so much money.

Megan Roti

1 week ago

Alex was amazing. She was detailed, informative, and non-pressuring. She answered every question I had and really put my needs first. I highly recommend her!

Ken Etherington

1 week ago

Great people to deal with. Get it done right the first time. Hailey-Jane is outstanding with customer service and knowledge of the product.

David Brown

1 week ago

Needed home insurance and reached out to Duliban Insurance. Damian P. contacted me, I answered some questions and he got back to me with a quote that was over $1500 cheaper than what I was paying previously. Damian was a pleasure to deal with. Thanks!

Paul

1 week ago

My wife and I recently worked with Hilary to secure new home and auto insurance coverage on very short notice. She was incredibly responsive, professional, and took the time to find the coverage that best suited our needs. Hilary ensured everything was in place on time and made the entire process smooth and stress-free. We highly recommend Hilary and Duliban Insurance Brokers to anyone looking for exceptional service and expert guidance.

Cody O'Neil

2 weeks ago

Amy and the team are always great. I've chosen them twice to be my insurance rep. Fast replies and very helpful.

Mark Deonauth

2 weeks ago

Above and beyond. June took my call and assisted me even while on vacay. Great communication and I couldn’t be happier with the price. Thanks June!!!

Vince Colangelo

2 weeks ago

It was a joy talking to Lisa Brant regarding on getting coverage a my auto insurance.

Brian granger

2 weeks ago

After a couple of weeks of confusion, Yvonne took over and had me looked after immediately. I now know who to ask for :).

Paul Irwin

2 weeks ago

I was having trouble getting my motorcycle insurance until I called Duliban. I had insurance the very next day. Mallory Crossman was very friendly and great to work with. I highly recommend them for motorcycle insurance.

Don Davidson

2 weeks ago

Recently I was asked to help out an elderly friend, 92 this Friday, who couldn't figure out why she hadn't seen her home insurance renewal. Given I was not the policy holder, I expected it would be difficult to get information and thankfully I dealt with Yvonne Hudson who helped resolve the issue and did so quickly. Definitely a pleasure to deal with Yvonne

levi dykstra

2 weeks ago

Alex Shortridge at Duliban Insurance made the entire insurance process easy and stress-free. She was knowledgeable, responsive, and took the time to explain all of my options without making me feel rushed. Alex was professional from start to finish and genuinely cared about finding the best coverage for my needs. I really appreciated her excellent communication and attention to detail. I highly recommend Alex and the team at Duliban Insurance to anyone looking for outstanding service!

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