Watercraft and Boat Insurance in Whitchurch-Stouffville

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Watercraft and Boat Insurance With Oracle RMS

Owning a boat in Whitchurch-Stouffville comes with many risks, like theft, fire, accidents, or weather damage. That’s why it’s important to have good boat insurance. The right coverage can protect your boating equipment and personal items, cover legal fees, and pay for any damage you might accidentally cause to someone else’s property while you’re on the water.

At Oracle RMS, you’ll find some of the best rates and options around, thanks to our strong network of industry partners. We’re all about providing stellar customer service, especially when you need help with a claim. Whether you have a sailboat, fishing boat, jet boat, pontoon, or jet ski, we’ve got an insurance plan for you. Plus, we’ll tailor a unique plan that perfectly fits your specific situation and your boat.

Get your free quote for boat insurance from Oracle RMS, today!

What is watercraft and boat insurance?

Standard boat and watercraft insurance policies cover many situations. They can help if your boat is stolen or damaged in a crash. If someone gets hurt on your boat, the policy covers liability issues. If your boat needs repairs, the insurance might pay for you to rent another one. It also covers emergency towing costs. Plus, it protects personal items on your boat, like life jackets, water skis, and fishing gear.

What we offer at Oracle RMS

Here at Oracle RMS, we specialize in creating custom boat insurance plans for boat owners in Ontario. We know everyone has different needs, so we design our plans to match yours perfectly to ensure you remain protected while enjoying the boating season. Here are some of the policies we offer:

Get a free quote for Watercraft and Boat Insurance with Oracle RMS today!
  • Liability Insurance: This insurance helps cover costs if you accidentally injure someone or damage their property with your boat.
  • Broad Navigational Territory: This insurance protects you while you’re boating in Canada, the United States, and parts of the Caribbean, depending on your policy.
  • Watercraft Medical Coverage: This coverage helps pay for your medical bills if you get injured while on your boat or getting off it.
  • Emergency Towing and Loss of Use: If you’re stranded on the water, this insurance covers the costs of rescue and towing, as well as repairs. It also covers the cost of renting another boat while yours is being fixed.
  • Accidental Pollution Liability: It’s important to keep the water clean. If you accidentally spill harmful substances into the water, this insurance helps pay for the cleanup.
  • Uninsured Watercraft Insurance: If an uninsured boater causes an accident that injures you or your guests, this insurance will help cover those damages.

Insurance for all types of watercraft

At Oracle RMS, we provide insurance for all kinds of boats, big and small, including:

  • Fishing boats
  • Sailboats
  • Yachts
  • Jet skis or Sea doos
  • Catamarans
  • and more!

Get affordable boat insurance with Oracle RMS today!

At Oracle RMS, we know every boat, from the smallest dinghy to the largest yacht, is unique, just like their owners. Our insurance brokers are committed to creating personalized insurance plans just for you. With years of experience, our experts will work closely with you to find the best coverage, so you can relax knowing you’re protected. Whether you’re speeding on a jet ski, fishing from a boat, or sailing on a yacht, we have the coverage you need.


Is boat insurance taxable?

Yes, boat insurance is now taxed in Canada. Every boater now pays Goods and Services Tax on their boat insurance premiums.

What types of watercraft can be insured?

You can get insurance for various types of watercraft, such as boats, jet skis, and even canoes or kayaks. As long as the watercraft is used for recreation or business, you can usually find coverage for it.

Is boat insurance legally required in Ontario?

No. Unlike car insurance, boat insurance is not a legal requirement in Ontario.

The Right Coverage For You

At The Best Price

Get Your Free Insurance Quote with Oracle RMS Today

Get your free quote for Watercraft and Boat Insurance in Whitchurch-Stouffville, today!

Words From Our Customers

“I’ve used Oracle RMS for my car insurance for years and years. Very knowledgeable and helpful. Chris Masucci gave me honest advice about my car insurance options and helped me choose the best coverage for my needs. He is friendly and super responsive if I have any questions. Would recommend!”

Lauren Chee-Hing,
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“I purchased my first car a year and a half ago and called Oracle for car insurance quotes. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
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