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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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Tina Nardilli

1 week ago

Ryan Gosnell is always amazing to deal with when it comes to my auto insurance needs! He is incredibly patient, knowledgeable, and informative, and he always takes the time to answer my questions and make sure I understand everything. His excellent customer service makes the whole process so much easier. I wouldn’t go anywhere else! Highly recommend Ryan to anyone looking for great service and peace of mind! ⭐⭐⭐⭐⭐

Jennifer Pitt

1 week ago

Damian Poznanovic at Duliban Insurance Brokers was friendly, communicative, and efficient!! 100% satisfied with the service received with Damian and Duliban.

James Neufeld

1 week ago

Damian at Duliban Insurance was great to work with while getting my home insured. He was clear, concise and professional during the process. Thank you.

Tikoux Gaming

1 week ago

Damian was a bunch of help and gave me the best deal out there he helped me wonders get this car insured and getting ready to be on the road i wouldn’t want anyone else’s help

Lydia Woo

1 week ago

Jhonny from Duliban Insurance was really helpful. He was very patient explaining and answering all my questions. He helped me to set up my condo insurance meeting my needs and helped me to save money. He called me twice making sure that I understood everything that he sent via e-mail. I am grateful that he was assigned to my file.

Lauren W

1 week ago

Alex was extremely helpful throughout the experience. I can tell she enjoys what she does in assisting people. She explains everything in great detail and keeps in touch when needed. Super helpful. Thank you !

Justine de Leyer

1 week ago

Thank you so much for all your help, Lisa!! Highly recommend!

Suhail Singh Bains

2 weeks ago

I cannot thank Amy enough for her help! After my home insurance was suddenly cancelled, I was panicking. Amy was incredibly quick to respond and had a new policy ready for me in under 24 hours. She truly saved the day and helped me out when I was in a desperate spot. I am so relieved to have found her. If you want someone who is fantastic at their job and works hard for their clients, ask for Amy.

PuttingIt OutThere

2 weeks ago

Called in the morning, spoke with a wonderful gentleman, Steve. He was amazing. I got my policy in the same day. Seamless procedure. I would highly recommend Duliban Insurance to my friends and family!

Stephen Richards

2 weeks ago

Was great to deal with Damian Poznanovic, they were friendly, easy to deal with and got me a good price. Went over some options and made sure I got the best quote. Will be coming back soon with my other insurance needs.

JUDY GALE

2 weeks ago

Ryan has excellent customer service! A great attitude...as in "HOW MAY I HELP" thanks again!

Kurtis Schacker

2 weeks ago

Ryan made the switch of the insurance policy from the house we sold to the townhouse we purchased efficient and quick. Customer service from Duliban has been excellent for the ten years we've been with them.

Callie VanderWerf

2 weeks ago

Damien was very helpful and responsive. He was able to answer all of my many questions and ensure we were comfortable with the policy we were getting. I appreciate his patience and responsiveness very much.

Kreg Nash

2 weeks ago

Ryan helped me with insurance on my home just purchased. He was great very patient and professional. I highly recommend him. Thanks Ryan

Aidan Luby

2 weeks ago

Very good communication and follow through. Saved me some money.

Dale Peerla

2 weeks ago

I dealt with Lisa, she was very helpful in helping me get the best deal for Auto Insurance Kept me updated as the policy preceded, thru emails, texting and phone calls,. What a great lady to deal with,I would highly recommend her as a broker

John “Stace” Stacey

2 weeks ago

I called to provide an update for my cottage insurance after completing some capital upgrades. Ryan was knowledgeable and easy to understand, as well as friendly and engaging. His follow up via email was clear and detailed, making it easy for me to provide the necessary information. Great customer experience!

Issac Morrow

2 weeks ago

Kevaughn was very easy going and made the whole process easy.

Bonnie McCurdy

3 weeks ago

Steve was great! He explained everything and was honest with me which I appreciated.

Megan Moody

3 weeks ago

Josh and Kiel were excellent to work with during our insurance review. They took the time to listen to our concerns, recommend products that were appropriate for our needs, and provide valuable insight into potential gaps in coverage that we hadn’t even considered. They were professional, knowledgeable, thorough, and a pleasure to work with. We truly appreciated their guidance and the peace of mind that comes from knowing we’ve taken the time to review our needs and make informed decisions. We would highly recommend them to anyone looking for knowledgeable and personalized service!

Carol Boz

3 weeks ago

From the very first phone call to getting our final papers for our truck, Alex Shortridge was nothing short of spectacular! We appreciated the professionalism, the prompt return of phone calls, emails and texts, and the superb advice for getting our truck insurance. We were going through a difficult process of importing our truck so her continuous patience during this time was very much appreciated. We will highly recommend her to our family and friends, and will be bringing more of our insurance needs to her. Duliban Insurance is very fortunate to have her on their team! Thank you Alex!

Yên Phạm

3 weeks ago

I am more than happy to have the excellent service from Amy of Duliban Insurance! She gave instant answer for each and every of my concern. Working with her I trust that corner of my home is well taken cared of. She did bring me the peace of mind. Once again, thank you so much indeed for all of your support! Yen

Kaitlynn Valeriano

3 weeks ago

Great experience working with Damian Poznanovic! Very quick with responses and understood my needs. Would definitely work with again!

Justin Loscavo

3 weeks ago

I had a great experience with Hillary. I was shopping around for the best price and Duliban swept the competition away. They have been helpful when I’ve had questions, and I appreciate how clearly they explain my coverage and options. It’s reassuring to know I’m dealing with a company that genuinely cares about its customers and makes the insurance process as straightforward as possible. I would definitely recommend them to anyone looking for dependable coverage and excellent customer service at a price that can’t be beat.

Adriana Suess

3 weeks ago

Im new at getting my own insurance on my van and Steve was professional respectful and listened to my needs even updated me on any changes and was happy to anwser any questions I had... if you need insurance ask for him best man for your insurance needs.

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