Stay Covered on Every Voyage

Watercraft Insurance That Keeps You Afloat

Whether you own a paddle boat or a power boat, getting out on the water should be carefree. At Miller Insurance Brokers, we help you leave your worries on dry land so you can fully enjoy your time on the water.

Owning and operating a boat comes with financial risks, from property damage to liability claims. Watercraft insurance provides the protection you need, letting you relax and focus on the fun instead of the “what ifs.”

Types of Watercraft Insurance Coverage

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.

Emergency Services

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.

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.

Personal Property

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

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.

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.

Request a Free Quote

Since 1899, our team has proudly supported Southwestern Ontario with reliable coverage and trusted guidance.

Fill out the form, and one of our knowledgeable brokers will reach out to provide a personalized, no-obligation insurance quote.

Local service, long-standing relationships, and peace of mind — that’s the Miller Insurance Brokers promise.

Local Knowledge. Trusted Carriers. Personalized Service.

children smiling jumping off a boat into the lake

"[They] did a fantastic job when I had a claim on my insurance [...] I highly recommend Miller Insurance. I was treated like a good friend and felt like I was (and still am) in good hands!"
– Stephanie B.
"Been a customer for many years and always had great response and service. My agent is always there to help and great to deal with if you are looking for any kind of insurance."
– Verne P.
“I have been with Miller Insurance Brokers since 2009. We have always had excellent and responsive customer service from the brokers there. If we had a question or concern, they have always been quick to respond to email or phone calls.”
– Karen Z.