R.A. Hughes Insurance

Boat Insurance Winnipeg

Ensure your boat is protected on the water with our comprehensive boat insurance coverage in Winnipeg.
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There are so many incredible places to boat here in Manitoba, from the wide open waters of Lake Winnipeg to the beautiful lakes in the Whiteshell.

No matter where you plan on boating this season, don’t get on the water without boat insurance. The brokers at R.A. Hughes Agencies can help you find the perfect policy for your boat—a policy that will protect you and your vessel from damage, theft, liability claims, and more.
woman driving boat

Coverage Details

Boat insurance covers more than just your vessel. Your boat insurance policy will include:
Coverage for your boat
Limited coverage for some of your personal belongings in your boat; review your policy to learn more
Coverage for liability claims while operating a boat

Boat insurance is comprehensive—it covers most types of boats, including fishing boats, paddle boats, personal watercraft (like Sea-Doos and Jet Skis), and leisure crafts—even yachts can be covered with boat insurance.

Generally, boat insurance policies offer different levels of coverage for each category—this means you will have a maximum payable for your vessel, another maximum for personal property in your vessel, and another maximum for liability.

What Boat Insurance Protects

Boat insurance protects:
The hull of your boat
Your boat’s motor
Onboard equipment like lifejackets and fishing rods
Navigation equipment like GPS or fish finders
Personal property on your boat

Your boat is protected from theft, vandalism, damage, and other hazards—you should review your insurance policy carefully to see which hazards are covered. Boat insurance policies often include limitations; theft, for example, may only be covered if your boat is stolen from a locked building.

Boat insurance also offers liability insurance coverage—this type of insurance protects you if you injure a person or damage a person’s property by accident while boating.

Your policy may also protect you if your boat is in a collision with an uninsured or underinsured boater. This coverage can help you cover medical expenses that you or your passengers might incur as a result of a collision with an uninsured or underinsured boater.

The Cost of Boat Insurance in Manitoba

Boat insurance rates vary depending on the value of your boat—and the value of your policy. In Manitoba, the average cost of boat insurance—without any additional coverage—is about $200 to $500 a year. For higher-value boats, you may end up paying around 1% to 5% of the value of the boat in insurance each year.

The cost of your boat insurance will increase if you add extra liability coverage or coverage for personal property. To find the best price on boat insurance, you should work with an insurance broker. Brokers can help you find policies from the top insurance companies—at the best rates. 

Trusted Boat Insurance Experts

Choose our boat insurance in Winnipeg for reliable coverage and exceptional customer service.
Personalized Service
Competitive Rates
Claims Assistance

Personalized Service

Our team provides personalized service to ensure you have the right coverage for your boat.
friend group on boat
cheerful person sitting on boat

Competitive Rates

We offer competitive rates on boat insurance policies to keep your investment protected.

Claims Assistance

Count on us for efficient claims assistance to get your boat back on the water quickly.
motor boat on water

Secure Your Boat Insurance Today

Call R.A. Hughes Agencies today for a boat insurance quote. We’ll find the right boat insurance policy for your needs, giving you all the coverage you require—with none of the coverage you don’t. You’ll work with an insurance broker who will go over all of the coverage options with you, including optional coverages based on your boating lifestyle.

Get coverage before you take your next trip out on the water—call or visit the team at R.A. Hughes today!
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Get Started Today

Protect your boat with our reliable boat insurance coverage in Winnipeg.

Contact Us:

Reach out to us today to get a quote and start safeguarding your watercraft.

Peace of Mind:

Enjoy peace of mind on the water knowing your boat is protected with our insurance.

Experience the R.A. Hughes Advantage

For over 90 years, families and businesses across Manitoba have relied on R.A. Hughes Insurance for comprehensive protection and personalized guidance. As an established local presence, we take pride in building long-lasting relationships founded on trust and a deep understanding of our clients' unique needs. Don't leave your future to chance - partner with our experienced team today.
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