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.

Boat Insurance

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:

Car insurance in Ontario

Coverages

Boat Insurance in Ontario covers these 4 basic risks:

Liability

Liability

Fire

Fire

icon

Theft

Collisions

Collisions

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.

Sinking or Capsizing

Sinking or Capsizing

Boat Radios

Boat Radios

Explosions

Explosions

GPS Systems

GPS Systems

Boat Radios

Boat Radios

Hull & Machinery

Hull & Machinery

Protection and Indemnity

Protection & Indemnity

Medical Expenses

Medical Expenses

Wreckage Removal

Wreckage Removal

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.

We work with 20+ top insurance companies

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Dumfries mutual

Our Reviews

What you say matters to us

We are proud to have a 4.8 Google rating with honest reviews from over 600 client experiences.
I can’t say enough good things about Mohammed Patwary! He did an amazing job finding me car insurance at a MUCH lower rate than I was previously paying. He’s extremely responsive, knowledgeable, and always on top of everything. He goes above and beyond to help and genuinely cares about getting his clients the best deal. I’m so happy with his service and would HIGHLY recommend Mohammed to anyone looking for a great insurance broker!
Dillon Baksh
2 weeks ago
Was looking for help with auto insurance, and Hailey made sure everything went smoothly. She was every understanding and made things move quickly. I'd highly recommend her for her abilities.
Rudeboy Collects
2 weeks ago
Hilary dident waste anytime getting to work anytime I message her she is quick to respond and always happy thank you Hillary
Malcolm Hann
2 weeks ago
Madison Allen was extremely interested and helpful in discussing our claim for some home repairs. Thanks Madison.
Lorena Barraza
2 weeks ago
I had a wonderful experience with Duliban Insurance Brokers, and especially with Steve Auld. Steve was extremely professional, and responsive. He made finding homeowners insurance quick, easy, and completely stress free. I truly appreciate his excellent customer service and how smoothly he handled the entire process. Thank you, Steve, for making what can usually be a stressful process so simple and easy! I highly recommend Duliban Insurance Brokers and Steve Auld to anyone looking for great service and insurance expertise. *Lorena Medina*
Vivian K
2 weeks ago
My insurance went up quite a lot. I have been trying for 2 weeks to talk to someone. I had an appointment today at noon however they did not call me. They are now working on applying discounts and removing some extra costs.
David Brown
2 weeks ago
Called Damian P. at Duliban Insurance for an Auto Insurance Quote. I was able to save over $300 on my annual policy. Thanks again!.
Temi Adewusi
2 weeks ago
I had a swift and smooth experience getting an insurance policy with Hilary. She assisted with finding the right option for my auto insurance.
Terry D
2 weeks ago
If you want professional insurance service make sure to ask for Chantelle. Just got off the phone with her after helping me to customize my renewal policy to fit my needs She guided me thru all the options and explained each one then made the changes I wanted. Great customer service. She knows her stuff and is so easy to deal with. Keep up the super service Chantelle...all the best
Jahnee Edwards
2 weeks ago
Damian was incredibly helpful and easy to communicate with. He was quick at getting everything secured for me, and made the whole process smooth and stress-free. Highly recommend!
Bhargav Chiru
2 weeks ago
Awesome service. Got everything setup and ready to go quickly at a great price. I had a few personal hiccups but Lisa was ultra-patient with me and helped me along the way with ease. Only just signed up, but great experience thus far!
Margie Howser
3 weeks ago
I had the pleasure of communicating with Mallory. She was very knowledgeable, answered all my questions and was extremely easy to work with. She was prompt and getting me the coverage needed for the best price. I would highly recommend this lovely lady to anyone needing car or home or both. Well done Mallory.
Ding
3 weeks ago
Today, Damian Poznanovic helped me complete all the price comparisons and submissions in just a few hours. He saved me at least $1,000 over the next year in a short time. He works quickly, and you can always rely on his professionalism.
Cole Thompson
3 weeks ago
Damian was fantastic, very patient and working around my schedule. Quick, concise, and easy to talk to. Got me a better rate than any other place I spoke to too.
john kaminskas
3 weeks ago
What can you say about your Insurance Brokers? Usually nothing until something happens, well something happened. I am so happy for these guys, Ryan Gosnell was Wonderful!! He helped me through car insurance and made the process painless! Wonderful Job, Thank You Ryan Sincerely Margaret Kaminskas
Matt Milligan
3 weeks ago
Damian was very helpful in my auto insurance search!!
Brandon Johnson
3 weeks ago
I highly recommend Duliban Insurance for all your insurance needs. A special shoutout to Mallory, who was highly knowledgeable, professional, and made the whole process a total breeze!
Ashley Upper
3 weeks ago
I had an excellent experience with my car insurance broker. Mallory is professional, knowledgeable, friendly, and genuinely took the time to make sure I understood my options. She made the whole process easy and stress-free and worked hard to find me the best coverage and rate. I really appreciated how responsive and helpful she was throughout the process. It’s refreshing to deal with someone who actually cares about their clients. I highly recommend her to anyone looking for an honest, reliable, and hardworking insurance broker!
Melad Jajou
3 weeks ago
Damian Poznanovic was a great help! He was very thorough and patient and helped us get a super deal!
C and H Collings
3 weeks ago
Very helpful and knowledgeable ... and very quick to reply and help when needed! Damian, thank you for the effort you put into your work and for your excellent customer service approach!
Art B
3 weeks ago
I highly recommend Damian at Duliban Insurance Brokers! We recently went through the exhausting process of shopping around for quotes to cover multiple vehicles and properties. Out of all the brokers we reached out to, Damian provided the best quotes by far and stood completely head and shoulders above the rest. He was incredibly accommodating, deeply understanding, and genuinely patient as we worked through several rounds of adjustments and questions. He listened carefully to all our feedback and updated our quotes multiple times without a single complaint. Unfortunately, due to an unexpected vehicle safety inspection issue right at the finish line, we had to put our switch on hold and stay with our current provider for now. Despite knowing we weren't able to finalize the policy this time around, Damian remained just as professional, kind, and supportive. Because of his exceptional customer service and dedication, he will be the very first person we call when we are ready to shop around again next year. If you are looking for an insurance broker who actually listens, goes the extra mile, and gets you the best quotes, Damian is your guy!
Phil Dass
3 weeks ago
I have been dealing with Duliban for over 3 years now. Customer service and help is exceptional. Very informative and friendly. Spoke to Hailey-Jane with regards to switching my current policy to another vehicle. Couldn’t have been an easier process and she was so kind and friendly. Recommend them for any of your insurance needs
Hailey-Jane Hyatt from Duliban Insurance House/.Car Insurance was very professional, patient and helpful. Thank you for making this process easy. Kim G.
Paul D.
4 weeks ago
Great service, fantastic help. Ended up paying less than my previous insurance company for the same coverage.
Stafford
4 weeks ago
Our experience with Amy Brown was not only professional, but friendly and informative. Her thoughtfulness and expertise was very instrumental throughout the whole process of transferring our pre-existing tenant home and auto coverage to CAA. She was always ready to answer our questions and was very clear in her explanations. This interaction was one of the most seamless we have ever had, and I would highly recommend her services for any current or future clients of Duliban
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