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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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Kyle Campeau

6 days ago

Deliben insurance made everything so easy. Always available to answer emails and sort out concerns as they arose. Id recommend.

Zoe Lakis

7 days ago

Alex Shortridge was so helpful, kind and quick. She was an absolute pleasure.

Baiana Bekenova

1 week ago

Everything went great! Damian was super professional and timely, he helped and answered any questions I had!

Emma Stanley

1 week ago

I had a great experience here when setting up car insurance on my first car as a student. Damian was extremely helpful through the entire process, ensuring all of our questions were answered. I would definitely recommend this company!

Lyn Cooper

1 week ago

Damian Poznanovic was incredibly helpful, efficient and friendly!

cathy f

1 week ago

I was looking for a new insurance company and contacted Duliban Insurance Brokers and was fortunate to have Lisa Brant get my call. She has been so helpful in getting me new coverage and I appreciate all the effort she has put into helping me. Thank you Lisa and thank you Duliban.

Ian

1 week ago

Great fast reliable service very polite courteous and understanding would deal with her again over and over

Froilan De guzman

2 weeks ago

Hilary, Thank you for your help with my auto insurance. I appreciate your clear explanations and professionalism. Your guidance made the process easy, and I felt confident with the coverage I chose. I also value how quickly you responded to my questions.

Maryann Mergl

2 weeks ago

June went above and beyond to help me in finding the best car insurance possible for the right price. She helped me find my past experience as a policy holder and driver. When my home policy comes due I will certainly be seeing what she can do for me in order to switch over.

Robby devries

2 weeks ago

Damian was easy to work with and he moves fast. Had everything set up in less then 24 hours. No headaches

Jennifer quirk

2 weeks ago

I really appreciated working with Damien to arrange my home insurance. The process was quick, thorough, and stress-free. Damien was clear, knowledgeable, and efficient, taking the time to explain everything in detail. After experiencing communication issues with my previous broker, it was refreshing to work with someone who made me feel heard, valued, and comfortable throughout the entire process. I highly recommend Damien to anyone looking for excellent service and a smooth insurance experience.

Connor Hoogerdyk

2 weeks ago

Damian was very responsive and easy to deal with. Very happy with my experience would recommend if your renewal is coming up.

Tyler Woodruff

2 weeks ago

Damian Poznanovic provided exceptional assistance, demonstrating extensive knowledge and facilitating a clear understanding of the entire process.

Joel

2 weeks ago

Hilary was fantastic to deal with and offered us great rates/service! Fantastic experience

Richard Elliott

2 weeks ago

Lisa Brant made for a seamless transition of all my insurance business over to Duliban. After 30 years with my previous provider, I expected a painful journey. But instead got the opposite, Lisa made it effortless and pleasant, plus I even saved some money!

Douglas Perras

2 weeks ago

Mallory and the Duliban crew provided excellent service once again.

L Mazz

2 weeks ago

Just moved our home insurance to Duliban and it was an easy transition. Dealt with Hilary Phelps through the whole process. She was very accessible and always returned my emails and phone calls promptly. I would definitely recommend Hilary for your insurance needs.

Krista Fur

2 weeks ago

We were facing a large increase in insurance premiums during time of renewal for our home and auto insurance so we thought we’d shop around. We heard about Damian P at Duliban insurance from a friend and we’re so glad we did! He was able to save us quite a bit of money per month and also educated us about some of our insurance needs for the future! Damian was extremely attentive and professional. We’ll definitely share his name and company with anyone looking for insurance.

deborah

2 weeks ago

I dealt with Hilary Phelps. She is an extremely valuable employee. I found her to be compassionate, caring and easy to talk with. She is highly intelligent and guided us through the whole process and made me feel at ease during my difficult time. I also believe, if possible, she deserves a raise in salary . I do not know what her salary is, but in any event, her assistance was so very much appreciated. Deborah Church

Geeti Malek

3 weeks ago

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

Ryan Vaisanen

3 weeks ago

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

Charles Hunter

3 weeks ago

Very nice and respectful staff excellent service

Hunter G

3 weeks 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

3 weeks 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

3 weeks 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!!!

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