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Compare and purchase the best boat insurance rates in Nova Scotia.

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Updated August 5, 2025

Comparing rates from Canada's leading Insurance Providers

Our Reviews

Esther
5
Ashley Bushfield is a pleasure to work…

Ashley Bushfield is a pleasure to work with. She is committed to keeping her word. You can rely on her to get the work done on time and all details covered.

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Elizabeth de Leeuw
5
Jason Storey is the BEST…

Jason Storey is my broker and he is one of the best I’ve ever had (and I used to be one HA for 9 years). He set up a new policy for me in April. He was quick, effective, and got me the information I needed! He set up the policy within days.

I’ve had an accident and he’s been so helpful and understanding and supportive.

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darren fredericks
4
They get the job done

Had to transfer insurance from one vehicle to another and it was quick and easy. A few emails back and forth and done in no time.

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B Rosenberg
5
My insurance advisor is always there…

My insurance advisor is always there when I need them.
Jessica always has the right advice and really listens to my needs.
Always a positive and supportive experience.

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Steven Chiasson
5
Communication was always there

Communication was always there, just an awesome overall experience really. I would highly recommend this company to al my friends.......and have by the way. Cheers

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Boat Insurance in Nova Scotia

A popular and fun summertime activity is boating, even though in most provinces you only use your boat for a few months out of the year, it is still important to have it insured all year round.

You can literally experience Nova Scotia by boat because the province is almost completely surrounded by water and has a magnificent coastline that stretches over 8,3000 miles! It is dotted with endless inlets, coves, and harbours, perfect for exploring by boat. You can boat along the East Shore for the breathtaking nature preserves and some of the best unspoiled and secluded seascapes. Or venture along the South shore for the colourful fishing villages, secluded coves, and sandy beaches. For a totally different experience, Bras d'Or Lake is the destination for cruising yachts with amazing golf destinations. There is certainly something for everyone here with many sights to see and explore!

No two boats are alike so make sure you speak with one of our Advisors to get the best advice.  We'll provide you up to 10+ quotes from Canada's top boat insurance providers, getting you the coverage you need, for the best price possible.

Boat Insurance in Nova Scotia

Boat insurance covers you in the event of a loss or damage to your watercraft. It covers most watercraft with motors, including fishing boats, paddle boats, leisure crafts, even yachts (for you high rollers!). For smaller boats, you may find some limited coverage under your homeowner's policy, so it's best to chat with your Surex Advisor about what you're covered for and what you need to add to your policy when you buy a boat.

No, currently the province of Nova Scotia has not made it mandatory for you to have a pleasure craft operator card (PCOC) to legally operate a motorized boat. But, keep in mind that without insurance you are running the risk of losing everything if an accident should occur. For example, if someone were hurt and you were found to be at fault, you could be sued for liability.

While boat insurance is not mandatory it can cover damage, liability and other unforeseen events.

The amount of boat insurance you will need depends on a number of factors such as the value of the boat, the motor size, the age and how you use it (speed boat vs a pleasure cruiser). For example, if you bought a new high-performance speed boat, you will need more coverage for bodily injury and property damage liability than you would if you had a pleasure cruiser.

Surex insurance tips & advice

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