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Boat insurance
Fish, ski, sail or just cruise with flexible and affordable insurance for most types of private-use boats and watercraft—house boats included!
Boat insurance for every kind of watercraft
When you go out on the water, take comprehensive protection with you. Find the best boat insurance for your watercraft to help protect it from collisions, theft, vandalism, and more. Our plans provide affordable protection for sailing, fishing, sport, and even house boats, so you can cruise on knowing you’re covered.
How boat insurance protects you1
Your boat
Helps to protect your boat, its motor(s), boating equipment and accessories against insured risks like collision, theft, vandalism and more2.
Personal belongings
Helps to protect your (and your passengers’) apparel, personal items and sports equipment while on board against insured risks like damage, theft and more2.
Liability claims
Helps to protect you financially if you injure someone or cause damage to another person’s property or boat while operating your boat or another watercraft you have permission to use.
Boat insurance coverage highlights1
Your boat insurance plan will provide affordable protection for most
Eligible boats
The following types of boats and watercraft are eligible for coverage through RBC Insurance:
Note: The information below is a summary only. Boats that can travel at speeds above 80 mph are not eligible for coverage. There may be additional boat types that are excluded.
- All-purpose fishing boats
- Aluminum fishing boats
- House boats
- Jet boats
- Personal watercraft (for example, boats you can ride, such as a Seadoo or Jet ski)
- Pontoon boats
- Runabouts
- Sailboats
- Sport boats
3.
- Protects you, your boat and belongings onboard financially against a wide range of risks2.
- Emergency towing and marine assistance (trip planning, concierge service and more) are a phone call away.
- Temporary Replacement Coverage lets you keep boating with a loaner boat while yours is being repaired.
- Based on the age of your boat, optional Agreed Value coverage is available to protect your boat’s full insured value if it’s a total loss.
- Optional Navigational Extension coverage lets you operate your boat outside our standard navigational limits.
- Receive discounts if you have passed an approved boating safety course3, are claims-free3 and more.
Get a boat insurance quote
Protect your boat—get an online boat insurance quote or talk to a licensed insurance advisor.
Want to speak to an advisor? Book a call now.
Or Call 1-877-749-7224
Products distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company.
The information above is a summary only and does not include all terms, conditions, limits and exclusions.
Loss or damage is not included with Liability-only policies.
Certain conditions, limitations, restrictions and exclusions apply. Availability of coverage varies by province and is subject to rules and eligibility. Please speak to an RBC Insurance Advisor to see if you qualify.
Certain conditions apply.