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Boat Insurance Abbotsford

Do you worry about your boat suffering from dings and scratches while on busy waterways? Are you wanting to provide your boat with an extra level of protection in the off season? The dedicated team of boat insurance brokers from Mountainview Insurance in Abbotsford can help you select the best policy for protecting you, your passengers, and your watercraft.


While there is no better feeling than hitting the waves in your boat during the warm summer months, it is important to make sure that you have the right type of boat insurance for your specific needs. Purchasing boat insurance from your local Abbotsford insurance company can be a hassle-free way to save money in the long run. No matter what type of boat you own—speedboat, pontoon, fishing boat, sailboat, aluminum boat, yacht, etc.—our insurance professionals will work closely with you to ensure that you receive the best coverage for your boat. Get in touch with the boat insurance brokers from Mountainview Insurance today to get a free boat insurance quote.

What is boat insurance?

A boat insurance policy is specifically designed to provide you with comprehensive coverage and to protect you from financial loss if your boat is damaged or stolen. In exchange for paying yearly or monthly fees, your boat insurance provider will pay for any losses that are outlined in your policy.

Why is boat insurance important?

While all boat owners value their watercrafts, not everyone fully understands how important it is to have boat insurance. Similar to having car or home insurance, having the proper amount of boat insurance coverage can help protect your valuable investment in the case of a mishap or accident. Boat insurance can also help protect everyone and everything including you, other boaters, your passengers, your boat, and your equipment.

What does boat insurance cover?

Before heading out on the water, it is important for you to know exactly what your boat insurance policy does and does not cover. Since boat insurance policies are tailored to suit the needs of the boat owner, your policy may or may not provide coverage for:

  • Comprehensive
  • Property damage
  • Collision
  • Capsizing/stranding
  • Theft
  • Storms
  • Fire/explosion
  • Sinking

Liability Insurance

Your boat insurance policy should also provide coverage for two types of liability insurance:

  • Medical liability—covers medical expenses that are acquired during an accident involving your boat, such as hospital bills, ambulance charges, and medical bills.
  • Personal liability—covers any costs you would have to pay to an injured party in the event of an accident involving your boat, such as bodily injury expenses, property damages, and legal defence costs.

Boat Insurance from Mountainview Insurance

Mountainview Insurance is a boat insurance broker in Abbotsford that offers a range of different boat insurance policy options. No matter what type of boat you own, our professional team members can help you select the right policy and coverage options for your specific wants and needs. Get in touch with the insurance experts from Mountainview Insurance today to get a free boat insurance quote.

Frequently Asked Boat Insurance Questions

Is boat insurance mandatory in BC?

While you are not legally required to have boat insurance to operate a boat in BC, most people still choose to get it because a homeowner's insurance policy on its own will not adequately cover a boat in the event of an accident.

How much does it cost to insure a boat in BC?

Boat insurance in BC typically costs between $500 to $2000; however, the overall cost of boat insurance will vary based on a wide range of different factors. Make sure to speak with your insurance broker to find out exactly how much it will cost for you to insure a boat.

Do you need a boat licence in BC?

Yes, BC boaters are required by law to have a Pleasure Craft Operator card, also known as a BC boat licence.

Is it worth getting boat insurance?

Keeping your boat insured throughout the year will ensure your boat is covered from all kinds of perils, such as theft, hail damage, and other hazards, both while being stored and on the water.

How old of a boat can you insure?

The capped age of a boat that can be insured will vary depending on your insurance provider. Some providers will not insure boats over 40, some will limit it to 30, and others will not insure boats over 20, regardless of the condition it is in. Make sure to speak with your insurance provider to find out how old of a boat you can insure through them.

What is not covered by boat insurance?

In most cases, boat insurance will not cover any maintenance or general wear and tear, such as deterioration, mold, gradual weathering, insect damage, or damage from animals or marine life.

Will insurance cover the cost of a totalled boat?

Your boat insurance provider will either cover the insured value or the actual cash value of the boat at the time of the loss, depending on your insurance policy.

What are the two types of boat insurance?

The two basic types of boat insurance are agreed value and actual cash value. An agreed value policy will cover the boat based on its value at the time the policy is written, while actual cash value is based on how much the boat is actually worth at the time of an accident.

Can you insure a boat engine?

Boat engines can either be insured on replacement cost or depreciated value. In the event that the boat insurance policy is an actual cash value policy, the value of the engine will always be depreciated in the event of a loss.

Visit us in person

Office location 1201 Sumas Way #100, Abbotsford, BC V2S 8H2 (Next to Costco)

We are located in the Abbotsford Power Centre complex on the corner of McConnell Road and Sumas Way.

Moutainview Insurance Office Abbotsford

Hours of operation

Office hours

Mon - Fri: 8:00 am - 8:00 pm
Sat: 9:00 am - 5:00 pm
Sun: 10:00 am - 5:00 pm

ICBC 24-hour claims


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