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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

Phone
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.

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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.
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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

In most ways, I’m all about having fun in life, enjoying challenges and people. So it makes sense that boating is my natural element. But when it comes to important practicalities, like boating insurance, I’m very no-nonsense. I would only ever work with a company like Ahoy! that offers the absolute best coverage. Because if I can’t feel truly carefree, fun isn’t actually fun.

Nick Borba

Livermore, CA | 2014 Axis T22
Ahoy Insurance Pelican Pete

Contact us anytime!

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

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