Watercraft Coverage

Whether nautical or performance, Unica offers watercraft coverage that provides protection designed to meet day-boater’s unique insurance needs. Unica’s highly-competitive insurance offering covers various types of sailboats and motorboats used for recreational purposes. Our coverage extends to vessels such as Bass Boat, Cuddy Cabin, Deck Boat, Fishing Boat, Hobie Cat, Jet Boat, Personal Watercraft, Pontoon, Runabout, Sailboat and Ski Boat.

This Best in Class coverage is available as an endorsement to your Homeowners, Condominium or Tenants Policy.

A mid-sized pontoon boat sitting on a shore.

Key Features and Benefits

Guaranteed Replacement Cost
Your replacement cost won’t depreciate for the first 36 months of your coverage (as long as purchased new).
Up to $10,000 for medical payments
Any medical costs not covered under OHIP or other insurance will be covered up to $10,000. This coverage also extends to accidental death.
Emergency Towing and Breakdown
In the event your craft needs to be towed, you’re covered for up to $500 per year in expenses.
Personal Effects coverage included up to $5,000
Your coverage includes protection for various types of equipment, including nautical, fishing and audio. It also applies to your GPS and Fish Finders.
Available Snowbird Extension coverage
Travel south for the winter? Enjoy optional expanded territorial limits to make sure you’re covered with worry-free protection.
Removal of Wreck
In the event of a loss, your liability coverage includes the recovery of your watercraft.
New watercraft
Picked up a new boat or personal watercraft? Your new purchase is covered under your current policy for up to 30 days.

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