Edmonton Marine & Boat Insurance

Is there anything more serene than sailing through the waves in the lakes around Edmonton? You wait all year for the ice to thaw. When summer finally arrives, it means one thing: Boating season.

You can’t wait to take your boat out on the sparkling waterways. But first, you need to make sure you have the right boat insurance.

As your trusted Edmonton insurance provider, we’re here to share everything you need to know about insuring your boat:

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Why Choose Westland Insurance for Boat Insurance in Edmonton?

When you choose Westland, you can expect high-quality client service and personalized insurance options. Our brokers aim to make it as simple as possible to protect your boat and accessories in Alberta.

Whenever you have questions about your policy, our advisors are just a phone call away. We’re all about getting you the most comprehensive coverage at a price that fits your budget. We make insurance as simple as spending the day on the water.

Boat Insurance Explained

You wouldn’t take your truck onto the highway without car insurance. And the same goes for your boat; you shouldn’t go cruising or fishing without insurance. Without it, you could be responsible for thousands of dollars in damages.

Summer only comes once a year; if you’re stuck without a boat, you’ll miss out on prime fishing time. Protect your investment by keeping your boat insured.

Boat insurance is intended for motorboats, sailboats, inflatables, Jet Skis, Sea-Doos, and more. When you purchase insurance in Alberta, you’ll be protected from risks like:

  • Damage to another property or boat. Accidents happen. But when things go wrong, you need coverage that will reimburse you for a liability claim or property damage repairs.
  • Accessories. You can insure boating equipment like a GPS system, motor, and
  • Damage to your boat. If you deal with an accident or incident of theft, vandalism, or loss of equipment, you can file an insurance claim to be reimbursed for the repair and replacement costs.
  • Liability coverage. What will happen if you collide with another boat while you’re on the water? Liability coverage will help you cover the costs that result from an accident.

Before you start cruising on the lakes and enjoying the summer sun, there are a few things you need first. The first is a boating licence. If you drive without one, you could void your insurance policy. Next, you need boat insurance. A broker at Westland Insurance can help you with that. And finally, don’t forget your lifejacket!

Boat insurance isn’t an optional addition; it’s something essential for everyone who owns a motorboat or sailboat. Here’s why you need to protect your watercraft in Alberta:

  • If you plan to store your boat at a marina, you may be required to provide them with proof of boat insurance.
  • Boat insurance protects more than just your watercraft; it protects your passengers, yourself, your family, your finances, and other people or property nearby.
  • To buy a new boat, the financing company may require you to submit proof of insurance.

What Factors Determine the Cost of Boat Insurance in Edmonton?

If you’ve been shopping around for insurance, you’ve probably been looking at one thing: Price. The price of your coverage will vary, based on factors like:

  • The size of your boat
  • Motor size
  • What you use the boat for
  • The occupancy limit of your boat
  • The value of your boating accessories, trailer, and the boat itself
  • Hauling distance to your destination

Want to learn more ways you can save on your policy in Alberta? Give us a call, and we’ll be happy to help you out.

Claims Example

Sometimes, the things you can’t see pose the greatest danger to your boat. Your boat could be damaged by obstructions that are just below the surface, like jagged rocks. Depending on the speed you’re going, it could cause thousands of dollars worth of damage to your boat.


If you have questions about your coverage, you aren’t alone. You’ve got questions and we’ve got answers! Our insurance brokers are here to clear the waters about boat insurance:

The answer depends on the size of your boat and how comprehensive your other policy is. It’s best to check with one of our advisors to make sure you’re properly protected.

Just as you need your pleasure craft operator’s card to drive a boat, you also need one to purchase watercraft insurance. You must submit your card number to purchase a boat insurance policy in Alberta.

*You do not need a boating license to insure a boat. It is required to operate one but you can still insure it without a pleasurecraft card*

Your insurance coverage varies based on the specifics of your watercraft and your policy. Contact us to discuss the details of your policy.

Not all home insurance policies offer coverage for boats. You don’t want to find out you’re under-insured after losing your boat in a fire.

In many cases, it’s more cost-effective to insure the boat separately from your home. A policy that’s specific to your watercraft can be customized based on the model, usage, and condition of your boat. And when your boat is insured separately from your home, a claim on your watercraft insurance will not affect your home insurance premium or rating.

Give us a call to talk about the specifics of your coverage.

Request an Insurance Quote

There’s nothing quite like relaxing at the lake on your boat. Summer is the season for sailboats, fishing boats, and houseboats. Give yourself peace of mind by purchasing insurance for your watercraft.

Do you have questions about your coverage? Or are you looking for a new policy? At Westland Insurance, we’re here to help all boat owners protect themselves on the waters. Whether you’re seeking off-season or year-round coverage, we’re here to help you choose the right policy for your boat.

We serve the following locations in Alberta:

We want all of our clients to make informed choices about their insurance. Seeking a quote for your boat insurance? Contact Westland Insurance today!

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