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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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Nicholas Maguire

5 days ago

Amy got me a great rate! Easy to deal with and very helpful

Jamal

6 days ago

Cannot recommend Damian Poznanovic enough. I was having a tough time finding a decent rate and everywhere I called was either overpriced or a hassle to deal with. Damian actually took the time to shop it around and got me a rate over a hundred bucks a month cheaper than the next best quote I got. He was quick, honest with me the whole way, and made the whole thing way easier than I expected. If you want someone who will actually work to get you a fair price, go to Damian. Appreciate you man.

Pam Swick Janjac

6 days ago

This was a pleasant transition inquiring about and subsequently switching my insurance. Mallory was extremely efficient and professional and at the same time, very personal and a pleasure to deal with. I am excited to become a new customer with Duliban Insurance!! Many Thanks to Kayla and Mallory! God Bless you both!

Lorree Vandermeulen

6 days ago

Damien was a pleasure to work with! He was able to find me 2 qoutes quickly and affordable. The process of finalizing was easy and his communication and patients were great around my work schedule. Highly recommend Damien being your insurance broker!

Hugh Ovenell

7 days ago

I had been with the same insurance company for several decades, coverage for the house, cottage and 2 vehicles. When I received my renewal this year the increase was dramatic. It had increased $575.00 annually. The monthly rate was $514.00. I began searching on line and soon I was contacted by June Sabo from Duliban brokerage. We made an appointment for the following day for a phone call. June was very professional and efficient while still being friendly and patient in getting the information she needed. Over the next few days she was in constant contact and returned phone calls and emails promptly. My wife and I are retired and appreciated her advice and support throughout the process. The end result was a savings of over $200.00 a month. We couldn’t be more pleased.

Christopher Roberts

7 days ago

My wife and I recently purchased our first home and Alex helped us get the best price for house insurance. She was very kind and helpful during the process. She kept us informed step by step. I am pleased with the service we were provided by her. Thanks Alex.

WANDA JANES

1 week ago

Mallory was extremely professional and very quick to respond to my insurance needs. Receptionist was also extremely helpful in taking care of the additional needs I had. Highly recommend Duliban Insurance at the Dunnville location.

Stefan Ninkovic

1 week ago

Mallory was just wonderful! She answered all of our questions, was patient with us, and helped us get our first home insurance. We would highly recommend working with Duliban Insurance 🙂

Dave Armstrong

1 week ago

Amie at duliban very helpful when your getting up in age

Zeina Dhaybi

1 week ago

I am glad to work with Duliban Insurance Brokers. My agent Joseph was patient, helpful and knowledgeable. He answered my questions and guided me in my decision making.

Abishek Rajendran

1 week ago

Damian Poznanovic was prompt and quick. Great advisor.

Rob Dallas

1 week ago

Damian poznanovic was AWESOME throughout the whole process went above and beyond for me im very happy with my service

Dave Wall

2 weeks ago

Damian Poznanovic was very professional

Cindy Mayer

2 weeks ago

My broker experience with Mallory from Duliban was absolutely fantastic! Mallory is highly professional and her expertise and patience was greatly appreciated. I would recommend anyone looking for a brokerage to look at Duliban. Thanks again!! Mallory!!

Kiranpreet Brar

2 weeks ago

Duliban Insurance comes through every time! We've had the opportunity to connect with Lisa Brant. She was kind, patient and very helpful throughout the process. She took the time to understand our situation and helped us find the right solution. We appreciated her guidance and would definitely recommend her. Thank you, Lisa!

Dale Vandevyvere

2 weeks ago

He was a good to deal with

Gordon Fang

2 weeks ago

Damian was extremely accommodating while helping me explore different motorcycle insurance options. He stayed patient as we worked through the details and answered all my questions. Highly recommend working with him!

tara willis

2 weeks ago

Oh my goodness!! Damian Poznanovic, you were a delight....and so helpful. Cheaper rate than Costco gave me too.... 🙂

Braedon Gauld

2 weeks ago

Kevaughn Ellis was easy and great to work with! He got my insurance set up very quickly and efficiently.

Mark Bowles

2 weeks ago

Friendly and good at her job Mallory crosmen

Elizabeth Crosland

2 weeks ago

Great experience! Dealt with Amy. She was pleasant, polite and knowledgeable. Great communicator. Definitely recommend her and the company. Everything was done in a timely fashion while still taking the time to explain the issues and answer questions.

Phuong Phi Han (Stephen)

2 weeks ago

Had a great experience dealing the my insurance with Damian Poznanovic ext 228. He was able to provide the best quote in the market.

Rachelle Hazelton

2 weeks ago

After what seemed impossible to get insurance due to a mess up in my past Damian Poznanovic finally got me there with a great rate . Thank you

Kim Minor

2 weeks ago

Steve was great! He got me covered on a short notice for me to pick my new car up. Thanks again

Robert Arsenault

3 weeks ago

Amy Brown was very knowledgeable, helpful and fast getting insurance for my truck and trailer. Thanks Amy.

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