Boat Insurance

Boat Insurance That Lets You Enjoy the Ride

Whether you’re cruising Lake Manitoba, heading out for a day of fishing in the Whiteshell, or spending the weekend at the cabin, the last thing you want to worry about is your boat insurance. At Garriock Insurance, we help you find coverage that fits your boat, how you use it, and where your adventures take you. So you can spend less time worrying about the what-ifs and more time enjoying the water.

What can boat insurance cover?

  • Damage to your boat: Protection against covered losses from collisions, fire, theft, vandalism and certain weather events.

  • Liability coverage: Help protect you financially if you’re responsible for injuring someone or damaging another person’s property while boating.

  • Your motor and equipment: Coverage options for boat motors, electronics, fishing equipment and other accessories, depending on your policy.

  • Your boat trailer: Protection against covered damage or theft while transporting or storing your boat.

  • Emergency towing and assistance: Help with eligible expenses if your boat breaks down or needs a tow on the water.

  • Seasonal storage: Coverage options for your boat while it’s stored over the Manitoba winter, subject to policy terms and conditions.

  • Boating beyond Manitoba: Options to extend coverage for trips to other provinces or eligible U.S. waters, depending on your policy and planned destinations.

These are common coverage options, but availability and limits vary by insurer and policy.

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FAQ: Boat Insurance

Boat insurance provides protection for your watercraft, equipment, and personal liability while you are enjoying Manitoba lakes and waterways. Coverage can help protect against risks such as damage, theft, and accidents on the water.

Boat insurance can provide coverage for your watercraft, attached equipment, boating accessories, theft, physical damage, and liability claims. Coverage options vary depending on your boat, usage, and policy.

Boat insurance is not legally required for every watercraft in Manitoba, but many boat owners choose coverage to protect their investment and provide liability protection. Some marinas, lenders, and storage facilities may also require proof of insurance.

Some home insurance policies may provide limited coverage for smaller watercraft, but coverage is often restricted by value, size, location, and type of loss. Dedicated boat insurance can provide broader protection designed specifically for marine risks.

Many boat insurance policies include protection against theft, subject to the terms, conditions, and coverage limits of the policy.

Coverage varies by policy and operation. Contact us for specifics.