Personal Watercraft Insurance

Insurance for your personal watercraft, like a jet ski or sea-doo, isn’t necessarily mandatory in Ontario, but if it’s being financed through a bank or if you’re mooring it at a marina, you might be required to carry boat insurance.

Personal watercraft insurance will certainly give you peace of mind for your days out on the water.  It’ll protect you if you’re held responsible for damage to someone else’s property or if you cause bodily injury to another person.  Personal watercraft insurance can also protect your property from damage resulting from a collision, fire or theft.

You may be able to insure your personal watercraft under your home insurance policy depending on the type and size.  In many cases, it would need its own separate insurance policy though, so be sure to check with your broker to see what option is best for you.