Boat Insurance Cobourg

Boat Insurance Cobourg

Boat Insurance Cobourg

Before you take to the open water, Get On Board™

If you are a boat owner in Cobourg, you know first-hand that there is nothing more fulfilling than being out on the water with your friends and family during the summer season in South Eastern Ontario. Whether you enjoy fishing, water sports, sailing, or travelling on your cabin cruiser, Cobourg residents know first-hand how exciting boating can be for your friends and family.  With the help of the insurance specialists at Allen Insurance Group, we’ll take care of you and the coverage needs for your boat or personal watercraft.

Get a free quote for boat insurance in Cobourg, Ontario, with Allen Insurance Group today!

Your #1 Choice for Boat Insurance in Cobourg

At Allen Insurance Group, we know that every boat owner is different, which is why we have a selection of watercraft insurance solutions available for you, including:

  • Sailboat insurance
  • Jet-boat insurance
  • Fishing boat insurance
  • Cruiser insurance
  • Houseboat insurance
  • Pontoon boat insurance
  • Motorboat insurance

Your Boat Insurance Cobourg Coverage Options

Liability Insurance

Liability insurance protects listed boat operators in the event you or another person causes bodily harm or death to a third party as a result of a boat collision. This insurance policy will provide coverage for legal expenses and medical costs. Additionally, liability insurance prevents out of pocket expenses in the event you cause damage to a third-party watercraft or property while operating your boat.

Uninsured Boater Coverage

Covers the cost of damages if you or another passenger on your watercraft is injured in a boating accident that involves another boater who is not insured.

Collision Boat Coverage

Provides coverage for repairs in the event your watercraft is damaged in a boating accident that collides with another boat, docks, large rocks, or other objects.

Comprehensive Boat Coverage

Comprehensive coverage will cover the cost of repairs in the event your watercraft is damaged due to:

  • Fire
  • Explosion
  • Lightning
  • Windstorm
  • Theft
  • Vandalism

Replacement Cost Options:

1. Agree Value

This coverage provides a predetermined value for your boat, should it be damaged beyond repair in an insured accident.

2. Actual Cash Value

Actual cash value coverage will replace your boat with less depreciation in the condition prior to the physical loss. We will also consider the resale value of your watercraft.

Personal Contents

Personal contents coverage will cover the cost of damage to personal contents stored on your watercraft up to a specified limit. This includes dishes, bedding, clothing, and other belongings used on a boat.

Additional Optional Coverage

  1. Loss of use coverage
  2. Emergency towing coverage
  3. Land transportation coverage
  4. Vermin damage coverage

Customized Boat Insurance in Cobourg

With the help of Allen Insurance Group, boat owners in Cobourg can count on our team to help them create a customized insurance policy that meets you needs and expectations. Here is a closer look at some of the factors that will influence the final cost of your insurance rates:

  • Make and model of your boat
  • Age of your boat
  • Bill of sale or purchase price for your watercraft
  • The length of your watercraft
  • Type of motor or engine
  • Horsepower of your motor or engine
  • The maximum speed of your boat
  • Where you will be traveling with your boat
  • Where your boat is stored

To save on your insurance policy, ask your insurance specialist at Allen Insurance Group about bundling your insurance policies and other discounts.

Get a Free Quote with Allen Insurance Group Today

Are you ready to get out on the water? Submit your free insurance quote request online for comprehensive boat insurance in Cobourg, Ontario, before speaking to one of our professional insurance specialists for further information on available solutions for you and your pleasure-craft insurance needs.


2 Strathy Road, Unit 2
Cobourg, Ontario
K9A 5J7

Phone: 905-372-4207
Fax: 905-372-5625
Toll Free: 1-877-924-2632