Take your Boater Exam Online!

At J.D. Smith Insurance, the customer is #1.....and we work for you......not the Insurance Company!.....Peace Of Mind Insurance

Discover the broad coverage's included in our policies, and make sure you understand what is not covered.

You can view sample policy wording that could apply to your boat by clicking on the links below.


Items to watch out for:

  1. The wordings on your policy will depend on the Insurance Company your coverage is placed with. On boats valued over $100,000 the wording and coverage's are different from a Seadoo.

  2. Most policies will not cover theft of a Personal Watercraft. We have a policy that includes theft if certain conditions are met.

  3. Most policies will only cover fire & theft on boats but not all risk (hitting a rock or log). This coverage is available on an all risk basis but usually the cost outweighs the benefits.

  4. Many owners self insure the hull.

  5. We have extra discounts if you also insure your house and car.

(Policies are in Adobe Acrobat .pdf format. To download the free program, click here)

"Waverider Policy" for Personal Watercraft such as Seadoo's

"Anchor Policy" for yachts and sailboats

For a Quick Quote, call J. D. Smith Insurance
1-800-917-SAVE (7283) or 905-764-7868
© Copyright J.D. Smith & Associates Insurance Brokers Inc., 2003 - 2022. All rights reserved.
Web Site design by interAD Marketing Ltd.