Whether you're cruising Ontario's lakes and rivers, exploring the Great Lakes, or embarking on any aquatic adventure, we've got you covered with our boat insurance expertise.

Your Boat Insurance Specialists

We understand the importance of safeguarding your watercraft. That's why we offer tailored boat insurance solutions catering to your needs. Our coverage options ensure you can confidently navigate the waters, knowing your investment is secure.

Coverage Highlights

  1. Liability Protection

    Boat insurance includes liability coverage, ensuring you're financially protected in case of accidents causing bodily injury or property damage to others. This coverage extends to accidents on the water, such as collisions.

  2. Collision Damage

    Covers the cost of repairing or replacing your boat if it's damaged due to a collision with another boat or any other object in the water. You can navigate with peace of mind, whether a minor scrape or a significant collision.

  3. Comprehensive Coverage

    Be prepared for unexpected incidents like theft, vandalism, or damage caused by weather events like storms or lightning. Comprehensive coverage ensures that your boat is protected in various non-collision scenarios.

  4. Medical Payments

    In the unfortunate event of an accident, boat insurance covers medical expenses. You and your passengers are financially protected, and necessary medical bills are handled.

  5. Uninsured Boaters

    While you may be responsible and insured, not every boater is. Our coverage includes protection in situations involving uninsured or underinsured boaters, ensuring you're not left with the financial burden of someone else's negligence.

  6. Types of Watercraft

    We cover various watercraft, including sailboats, powerboats, fishing boats, personal watercraft (PWCs) like Jet Skis and Sea-Doos, and even luxury yachts. No matter your vessel of choice, we have the right insurance solution for you.

More About Our Boat Insurance

Our boat insurance is more than just a policy; it's your peace of mind. We offer flexible coverage options, so you can choose what suits your needs best. Our experienced team of brokers is here to guide you through the process, ensuring you have the right coverage at the right price.

Don't let unexpected mishaps steer you off course. Trust PetleyHare to provide you with dependable boat insurance that will keep your aquatic journeys smooth and stress-free.

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Common Questions

Have questions about boat insurance? You’re not alone! We’ve heard it all before. That’s why we’ve compiled a list of questions to help you better understand all the ins and outs.

Is boat insurance mandatory in Ontario?

No, boat insurance is not legally required in Ontario. However, protecting yourself in case of accidents, theft, or other unforeseen events is highly recommended.

Accidents on the water can result in significant financial liabilities, making insurance a wise choice to ensure peace of mind while enjoying boating adventures.

What factors affect my boat insurance premium?

Several factors can impact your boat insurance premium. These include:

  • Type of Boat: The type of watercraft you own, whether it’s a sailboat, powerboat, personal watercraft (PWC), or another vessel, can influence your premium.
  • Boat Value: The value of your boat plays a role in determining your premium. More expensive boats may require higher coverage limits.
  • Boating Experience: Your experience as a boater matters. Those with a history of safe boating and no claims may qualify for discounts.
  • Coverage Selection: The extent and type of coverage you choose affect your premium. Comprehensive coverage, for example, may cost more than basic liability coverage.

Understanding these factors can help you make informed decisions about your boat insurance coverage.

Can I get coverage for my personal belongings on the boat?

Yes, many boat insurance policies offer coverage for personal belongings on board. This coverage can help protect items like fishing gear, electronics, and personal items while on the water.

Discuss your specific coverage needs with your insurance broker to ensure you have the required protection.

Is there a boating season in Ontario when coverage is needed?

While boat insurance can provide year-round protection, many boaters opt for seasonal coverage to save on premiums during the off-season when their boats are not in use as frequently.

Seasonal coverage allows you to tailor your insurance to your boating habits, providing cost-effective protection.

Do I need a separate policy for my boat trailer?

Boat trailers can often be covered under your boat insurance policy, but it’s essential to confirm this with your insurance provider. Including your boat trailer in your policy ensures that it’s protected from theft, damage, or accidents while in transit, offering you comprehensive coverage for your boating setup.

Discuss this with your insurance broker to ensure you have the appropriate coverage for your boat and trailer.

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