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Boat insurance for boaters by boaters

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Ahoy! Boat Insurance - Benefits for Boaters

Leveraging technology and our boating expertise to provide you with the best insurance, coupled with a better and safer experience on the water.

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Get a Great Boat & Yacht Insurance Quote, Fast

Receive extensive coverage at a great price from expert boaters who understand your needs, with a quick and easy online quote.

worryfree-new Ahoy!

A Worry-Free Boating Experience

Enjoy our advanced tech providing you with phone overboard protection, weather information and alerts, stolen boat retrieval assistance, and boat health monitoring features for a great and safe experience on the water.

support coverage for boat insurnace

Supporting You When Something Goes Wrong

We are there for you, online and by phone, so your claim process is quick and easy, supported by our team and mobile app.

A boat isn't just another piece of property

It’s a lifestyle choice. It’s where you create memories, it’s your escape when you need a little serenity or a place to run to for some excitement.

We’re boaters, we get that.


Ahoy! is a new boat and yacht insurance company designed by people who understand and care about boating as much as you do.


Ahoy! provides innovative recreational boat and yacht insurance that leverages proactive, risk-reducing technology to keep the most exciting aspect of your life stress-free. From Cabin Cruiser Insurance, to Power Boats, Bass Boats, Sailboats, Pontoon Boats, Yachts, and more, Ahoy! is there to help!

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How does Ahoy! boat insurance work?

In four simple steps, you can get boat and yacht insurance coverage, get unique benefits, and connect to our mobile app to benefit from multiple features which will help you stay safe on the water.

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Get a Quote & Pay

Leveraging our seamless sign-up process, get the most modern-minded, tech-driven boating insurance policy out there in just under 10 minutes.

All Aboard

Now that you are a mate, download our mobile app, easily scan photos of your boat or yacht for lower claim deductibles and help in case of theft.

Cast Off

Sail away into the horizon. Feel fully at peace knowing that our technology-powered mobile app is looking out for you.

Just in Case

If there’s an incident, we’ve got your back. Our 24/7 First Mate is there for you every step of the way to help resolve any issues or if you need to file a claim.

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Cutting Edge Technology

Ahoy's mobile app and the Boat Fix device equip you with additional advanced functionalities at no extra charge, to keep you and your boat/yacht safe so you can make the most out of your time on the water.

Weather Information and Alerts

Phone Overboard

Processing Claims

24/7 Boat Owner Support Services

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WEATHER - APP WIND HP

Cutting Edge Technology

Ahoy's mobile app and the Boat Fix device equip you with additional advanced functionalities at no extra charge, to keep you and your boat/yacht safe so you can make the most out of your time on the water.

Weather Information and Alerts

Wherever you are, and whatever you do, sailing or at home/work, we follow the weather where your boat is, allow you to watch the weather forecast and send you alerts about imminent weather threats.

Phone Overboard

Ahoy! provides exclusive mobile phone overboard coverage*. The Ahoy! mobile app includes a sailing auto-detection feature that knows when you've set sail, so your mobile phone is automatically insured every time you're on the water.
*Deductibles may apply

Processing Claims

Using the Ahoy! mobile app, you can self-scan your boat/yacht, by taking a series of photos which will be stored in our secured cloud. The self-scan serves as your boat's digital file, and can help in quick processing of damage-related claims (by sending the same set of photos showing the damage). Uploading these photos of your boat/yacht will qualify you for a lower deductible.

24/7 Boat Owner Support Services

Once you become an Ahoy! customer, you will be eligible for a FREE Boat Fix device ($299 retail value), which will be shipped to you by Boat Fix upon subscribing to their annual 24/7 Boat Owner Support Services ($179/year). The Boat Fix device and service will provide you with much improved visibility into your boat location (in case of theft), battery state of charge and health, engine hours, and other parameters. It will also entitle you with access to a 24/7 mechanical advisory hotline, and many other benefits.

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Marine Coverage

At Ahoy!, we take pride in offering specialized insurance for boats and yachts nationwide, stretching from the sunny coasts of California to the rugged shores of Maine, and from the Pacific Northwest down to the sunny peninsulas of Florida. Our insurance solutions cater to a diverse array of marine vessels. Through our user-friendly website, Ahoy! extends insurance for boats that meet these criteria:
  • A maximum length of 50 feet.
  • An age limit of 40 years with a valuation cap of $500,000.
  • Engine power up to 500HP for single or dual-engine crafts, or a total of 1050HP for vessels with triple engines (limited to three engines).
For larger vessels ranging from 50 to 95 feet in length or valued between $500,000 and $2,500,000, insurance inquiries can be initiated via phone at 1-855-289-2469 Monday to Friday 9 AM to 8 PM EST, through our website chat, or by sending an email to firstmate@ahoy.insure.
Ahoy! Yacht Program
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Fishing boat Ahoy
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Ahoy! Yacht Program
Power Boat Insurance
Fishing Boat Insurance
Pontoon Boat Insurance
Sail Boat Insurance

Yacht InsurancePower boat insuranceFishing boat insurancePontoon boat insuranceSailboat insurance

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Insurance Coverage

Our extensive array of boater-specific coverages includes:
  • Liability
  • Comprehensive and Collision
  • Uninsured/Underinsured Boaters
  • Medical
  • On-Water Towing
  • Fishing Equipment
  • We also offer Roadside Assistance, Boat Rental Reimbursement, and coverage for your personal effects.

LiabilityUninsured/Underinsured BoatersFishing Equipment MedicalOn-Water TowingComprehensive and Collision

Imagine you accidentally damage another boat or injure someone on the water. Liability insurance covers the costs, protecting you from such incidents. It's a smart move to ensure a worry-free boating experience.This coverage protects you if an underinsured boater causes an accident or in hit-and-run situations, covering property damage and medical expenses. It ensures you won't bear the financial burden alone, providing peace of mind on the water.Should your fishing items need to be replaced due to a boat accident or go missing rest assured, you’re covered. We will fully reimburse you for the replacement of these items, with a generous limit of up to $10,000.Boat insurance isn't just for your vessel; it ensures everyone's safety on board. Medical coverage in a comprehensive policy provides financial protection if someone gets injured.We've partnered with boat towing experts to help you when you need a tow back to shore. Your safety on the water is our top priority, ensuring you can always make it safely back to dry land!Protect your boat from uncontrollable events like fires, theft, or vandalism, especially when it's in storage. Collision coverage also helps if your boat hits another boat, buoy, or dock
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Look at what our policyholders, agents have to say about Ahoy!
Trustpilot
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Policyholder

My regular agent (not Ahoy!) for home + auto didn’t know boats, and an error caused confusion during underwriting. With Ahoy!, their boating expertise and user-friendly app made the whole process smooth and stress-free.

-Dustin
Verified
Independent Agent

Ahoy! is an exceptional addition to the marine insurance market. The quoting process is fast and easy, and their customer service is responsive and friendly—an overall amazing experience!

-Natalie
Verified
Policyholder

I’ve had Ahoy! for 9 months, and I’m extremely happy with my choice. The customer service is outstanding, and the app is easy to use. It’s clear this insurance is made by boaters for boaters. Highly recommend!

-BR
Verified
Independent Agent

Ahoy! stands out with competitive boat and yacht coverage, creative solutions, and a flexible, tech-first approach. Their easy-to-integrate API helps us offer robust digital coverage directly from our site—something legacy carriers struggle to match.

-Austin
Verified
Policyholder

It was quick, easy and of great value. I got everything I needed in 20 minutes and that’s it! The gentleman on the phone was personable and polite also! 10 of 10 experience!

-Waylon
Verified
Independent Agent

Ahoy! sets a new standard in marine insurance—innovative, insightful, and crafted by boaters who truly understand the market. Their partnership delivers real results and consistent support that we deeply value.

-Devin
Verified
Policyholder

Whenever I call, the staff is knowledgeable, and courteous. They always seem to know boaters’ needs well and take care of them. Thank you!

-Edgar
Verified
Independent Agent

Ahoy’s digital-first process is a game changer. Customers get quotes in minutes, not hours—while our team adds expert guidance. It’s fast, seamless, and exactly what today’s clients expect.

-Eric
Verified
Policyholder

Renewing with Ahoy! was easy and hassle-free. The team was kind and courteous, making the process smooth. I highly recommend Ahoy! for boat insurance.

-Slade
Verified
Policyholder

Your website was incredibly intuitive and easy to use, even when I had to go back and forth and change a few things. In fact I came back to it later and didn’t have to start from scratch.

-Eileen
Verified
Policyholder

Ahoy came through when needed and was looking forward to a long relationship with Ahoy. Thank you

-Larry
Verified
Policyholder

Very fast and easy process! They made sure anyone who needed to know I switched was notified! Friendly folks and best of all saved me a lot of $$$! Their app is excellent as well!

-Brian
Verified
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Differentiate your agency by providing your clients with the best and most modern boat and yacht insurance available! We created a user-friendly agent portal through which you can easily price, quote, bind and track your portfolio. We offer an attractive commission structure, as well as special agent incentives, which are available for a limited time during our initial roll-out in your state.

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Reach us at 1-855-289-2469 for support or inquiries.

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