Sailboat Insurance in Montreal and Metropolitan Area — 2026
Assur360 insures boaters in Montreal and the surrounding area. Compare with 20+ specialty insurers — save up to 25%.
Free → quote☎ 1-866-357-4451Why choose Assur360 in Montreal
Montreal is one of the largest sailing destinations in Canada. Sailboats from 20 to 50 feet (Beneteau, Jeanneau, Catalina, J-Boat, Hunter) sail on the river, lakes Saint-Louis and des Deux Montagnes. The sailing clubs of Pointe-Claire, Dorval, Longueuil, L’Île-Perrot and Oka form the heart of the community.
IN BRIEF
Sailboat Insurance Montreal: St. Lawrence Lake St. Louis
Montreal-based sailboats sail mainly on the St. Lawrence River and Lake St. Louis. The marinas of the Old Port, Pointe-Claire and Lachine concentrate the majority of boats.
Specificity: some insurers limit the navigation area. Check that your policy covers navigation to the Thousand Islands or Lake Champlain if you are planning outings out of the region.
Our AMF-certified brokers know your region and its particularities. We compare more than 20 specialized marine insurers (Intact Marine, La Capitale, Beneva, Aviva, Northbridge, Marine Underwriters programs) to get the fairest premium — 2026 regional average: $450 to $1,500/year depending on the type of boat.
Covered bodies of water in the Montreal area
Our policies cover all the following lakes and rivers: St. Lawrence River (Old Port, Verdun, Lachine), Lake Saint-Louis, Lake of Two Mountains, Rivière des Mille Îles, Rivière des Prairies, La Prairie Basin. All boats are eligible: pontoons, sailboats, fishing boats, yachts, inflatables, hydrojets, catamarans and tenders.
Local Feature to Know
Marinas and Yacht Clubs We Serve
We issue insurance certificates accepted by: Parc de la Marina (Old Port), Montreal Yacht Club, Beaconsfield Sailing Club, Pointe-Claire Marina, Dorval Yacht Club, Longueuil Marina, Lachine Sailing Club. All of these installations require a minimum liability of $1 million — we recommend $2 million for owners residing in Montreal.
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Our broker knows your bodies of water — best premium guaranteed.
Get started→Types of Boats We Insure in Montreal
Bennington, Harris, Princecraft, Sun Tracker Sailboat
Beneteau, Jeanneau, Catalina, Hunter Fishing boat
Princecraft, Lund, Legend, Alumacraft Catamaran / trimaran
Lagoon, Fountaine-Pajot, Corsair Inflatables / Zodiac
Zodiac, Bombard, Brig, Highfield Yacht
Sea Ray, Azimut, Sunseeker, Prestige
Frequently Asked Questions — Boat Insurance in Montreal
1. How much does boat insurance cost in Montreal in 2026?
The average premium in the region ranges from $380 to $1,800/year depending on size, engine, and value. A 20-22 foot pontoon costs about $520 – $780, a 16 ft fishing boat $340 – $520, a 30 foot sailboat $650 – $1,200. Request your free quote to know your exact price.
2. Is boat insurance mandatory in Montreal?
No provincial law requires it. However, marinas, yacht clubs, and pleasure craft ports in the area all require a minimum liability of $1 million before granting a mooring or access to a ramp.
3. Which insurers do you compare for Montreal homeowners?
We shop with 20+ specialized marine insurers: Intact Marine, Beneva, La Capitale, SSQ, Aviva, Economical, Northbridge, Wawanesa, Markel, plus Lloyd’s and Marine Underwriters programs for high-end vessels.
4. Does my policy cover U.S./border waters?
Yes, most of our policies automatically cover adjacent Canadian and U.S. waters. For frequent use in the United States (Lake Champlain, Great Lakes bays), an endorsement may be recommended — your broker will advise you.
5. Is winter storage included?
Yes, indoor or outdoor storage under tarp. Covers theft, vandalism, fire, and damage caused by snow weight. Damage from engine freeze is excluded if winterization was not performed according to manufacturer standards.
6. What discounts are available for Montreal homeowners?
Multi-policies for home + boat (10-15%), CCEP card (5%), marine alarm / GPS tracker (3-5%), no claims for 5 years (up to 20%), secured marina (5%). Cumulative possible beyond 30%.
7. How do I file a claim in Montreal?
Call 1-866-357-4451 immediately (24/7 service). Document with photos, obtain a police report if theft or collision, do not move the boat unless in immediate danger. Emergency towing is covered up to $1,000.
8. Can I combine my boat insurance with my home?
Yes — and it is highly recommended. The home + boat package reduces your total premium by 10 to 15% and simplifies claims in the event of a loss affecting multiple properties.
9. Do I need a PCOC card to be insured?
Yes. The Pleasure Craft Operator Card has been mandatory in Canada since 2009 for any operator of a motorized boat. Without a PCOC, the insurer may deny a claim.
10. Is my charter boat covered?
A standard recreational policy does not cover chartering (crewed rentals, day rentals). A separate commercial charter policy is required — 3-5% of the insured value per year. Check our marine business insurance.
Why Montreal boaters choose Assur360
Helpful Resources
Related pages: boat insurance hub · 2026 boat guide · dock · sailboat · fishing · home (combo) · auto. References: AMF, IBC, Transport Canada.
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