Watercraft Insurance to Keep You Afloat

Your Boating Adventures Await

At Utter Morris Insurance Brokers, we understand that every person is unique, which is why we tailor coverage to suit your individual needs and budget. Whether you own a power cruiser, jet ski, fishing boat, sailboat, pontoon, or other type of boat, we offer more than just cookie-cutter policies. Our team works closely with you to create a personalized watercraft insurance plan that fits your lifestyle so you can enjoy the waters of Ontario.

young boy jumping off boat with life jacket in the water with other kids playing

What Can Watercraft Insurance Cover?

Physical Damage

This covers the repair or replacement of your personal watercraft if it’s damaged or destroyed due to covered perils such as collisions, storms, or theft.

Third-Party Liability

This covers legal fees, medical expenses, and property damage claims if you are found responsible for injuring someone or damaging their property while operating your watercraft.

Wreck Removal

In the event of a covered loss, this coverage helps pay for the cost of removing your sunken or damaged watercraft from the water.

Emergency Services & Towing

This coverage assists with the cost of towing your disabled watercraft to the nearest repair facility and covers emergency services such as fuel delivery or jump-starts.

Personal Property

This optional coverage protects your personal belongings on the watercraft, including fishing equipment, clothing, and other personal items.

Uninsured Watercrafts

If you are involved in an accident with an uninsured or underinsured boater, this coverage helps pay for your medical expenses and property damage.

A wakeboard boat at a wooden dock in the Muskokas on a sunny day

Let’s Talk Insurance That Puts You First.

We believe insurance should be built around you — not just a standard checklist. While policies may look similar on paper, the difference lies in how well they actually protect you when it counts.

At Utter Morris Insurance Brokers, we’re not just brokers — we’re your neighbours in Burlington, committed to looking out for the people and things you value most. From property and auto to business and life insurance, we partner with trusted, responsive insurers and go the extra mile to tailor the right coverage for your needs.

Reach out today — we’re here to help you build a stronger, more secure future.

"Utter Morris have been my insurance brokers for over 25 years. I trust their advice and appreciate their service."
– Robert S.
“They went out of their way to take on a difficult file and were able to secure coverage in a pinch. We have also transferred all our insurance products (and my father’s) over to Utter Morris, and I will forever refer friends, family, and clients as I know they will be handled with honesty, integrity, and professionalism. Thank you so much!”
– Sandy H.
"Utter Morris is certainly a top notch insurance broker. They take care of you needs fast and efficient... very professional and polite."
– Patrick M.