Boat insurance in Ontario.
Compare. Launch. Cruise.
One request. Objective comparison across 20+ Ontario boat and watercraft carriers through our RIBO-licensed partner brokerages. Free, no obligation.
Coverage every Ontario
boater should carry.
From the Great Lakes to Muskoka cottages, Ontario boaters cover an enormous range of vessels. Insurance is not legally mandated — but marinas, mortgages and cottage associations require it. The PCOC (Pleasure Craft Operator Card) is required to operate any motorized vessel. Placed by RIBO-licensed partner brokerages — small runabouts, wake boats, sailing yachts, personal watercraft.
Hull + machinery
Covers the boat itself — collision, sinking, fire, theft, vandalism. Agreed value on higher-end vessels, actual cash value on entry-level. Deductibles $500–$2,500.
Third-party liability
$1M minimum, $2M standard for anything with real horsepower. Covers injuries to other boaters, swimmers, and damage to docks or other vessels.
Personal effects
Fishing gear, water toys, marine electronics not permanently installed. Standard $2,500 cap — bump to $5k–$10k for a serious tournament setup.
Emergency service + towing
On-water breakdown, towing to nearest port, fuel delivery. Great Lakes and larger inland lakes make this valuable. Typically $50–$120/year.
Uninsured boater
Coverage if hit by an uninsured operator — surprisingly common on Ontario lakes where insurance isn’t legally required.
Wreck removal / fuel spill
If your boat sinks or spills fuel, Transport Canada and the Coast Guard can require removal at your expense. Standard limit $250k–$1M — extend on larger vessels.
Three steps.
Zero friction.
You describe your vessel
Two minutes to describe your make, model, engine size, mooring location and use pattern on Ontario waters.
We match you
Your request goes to a RIBO-licensed Ontario partner brokerage familiar with recreational marine insurance.
You cast off
A partner broker returns the best rate — with clean-record, PCOC, and seasonal storage discounts applied.
We serve every
major Ontario city.
They compared.
They saved.
“22-foot bow rider on the Great Lakes — old policy from a big-box direct writer, wrong hull limit. Broker fixed it and saved $210.”
“Cottage on the Ottawa River, wake boat, two PWCs. Bundled with the cottage — clean savings.”
“Sailing keelboat at a Lake Ontario club — my previous carrier didn’t get the setup. New broker did.”
Ontario boat insurance —
common questions.
Is boat insurance mandatory in Ontario?
How much does boat insurance cost in Ontario in 2026?
Do I need a PCOC?
Are personal watercraft (jet skis) included?
Am I covered in US waters?
What is wreck removal coverage?
Does my homeowner policy cover my boat?
Is AccesDirect really free?
Compare Ontario boat insurance rates
Free comparison. 2 minutes. No obligation. Your request goes to a RIBO-licensed Ontario partner brokerage.
Launch confidently.
Insured on Ontario waters.
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