Harvest Insurance


Do You Need Watercraft Insurance?

As experienced insurance brokers we have many options for insurance and can help you find the best coverage to meet your needs. Home insurance policies may provide limited coverage for personal watercraft. Talk to us about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself in the event of an accident.

Summer is short. Don’t let a claim keep you from enjoying the water.

A marine policy offers more than just coverage for damage to your boat. You can also get coverage for emergency towing, liability or a replacement boat during repairs. In addition, the policy will also have coverage for your personal belongings that are in the boat such as fishing equipment, skis, wakeboards, inflatables, fish finders and life jackets.


Claim Service

24 Hour claim service is available. We will work with you and your claims adjuster to get you back on the water as soon as possible in the event of a claim.

Peace of Mind

You will enjoy the water even more when you are not worried about the safety of yourself, your passengers or you investment.

Helpful Links

Boat License Registration
Pleasure Craft Operator Card

Frequently Asked Questions

  • Isn’t my boat covered under my house insurance?

    A homeowner insurance package does provide some coverage for a boat and motor. However it is limited coverage and may not provide liability coverage. As well as making a claim on your boat will affect your home insurance policy.

  • Why do I need liability insurance for my watercraft?

    If you injure a swimmer in the water you would need liability insurance. However, liability insurance covers more than just bodily injury. You may also be held liable for pollution if you accidentally spill fuel or if an act by you causes any type of loss where oil or fuel enters the body of water.

  • How do I register my boat?

    Click on the following link to see more information on registering a boat.
    Pleasure Craft Licence

  • What kind of information do I need to insure my boat?

    You will need to provide a full description of the boat and motor including year, make, model, serial number and value. You will also need to provide information for boating experience, age of usual operator, as well as previous losses for boating and driving convictions.