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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.

A Worry-Free Boating Experience

Enjoy our advanced tech providing you with safe boating, weather alerts, and boat retrieval assistance features for an enjoyable and safe experience on the water.

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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 recovery assistance tag 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

Stolen Boat Recovery Assistance

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WEATHER - APP WIND HP

Cutting Edge Technology

Ahoy's mobile app and the boat recovery assistance tag 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.

Stolen Boat Recovery Assistance

Upon becoming a mate, we will mail you a welcome kit containing a boat recovery assistance tag. The assistance tag, together with the self-scan images will be instrumental in instructing the authorities assisting with the search for your boat/yacht in case it was stolen.

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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

I’ve always wanted boating insurance with specialized expertise in boats, like Ahoy!, not just an add-on to car or home insurance. Until now, there has been a real gap in information, coverage, and understanding of what boating really is for me - a kind of escape.

Karen Harris

Red Bank, NJ | 1998 J120

Everything is better on the water. It’s where we make memories that last forever. Ahoy! understands how important boating is to me and my family because they are boaters like me.. I can enjoy my boating time more fully, because I know my most precious toy is protected.

Justin Monge

San Francisco, CA | 2020 Malibu 23 LSV

Boating is a lifestyle, not a hobby. And my boat is just as important, if not more so, than my house, car, and other assets. So, it’s critical that my boat coverage is comprehensive and leaves me without worries – like Ahoy! does - allowing me to fully disconnect from the rigors of work and fully reconnect with myself.

Karen H.

Chicago, IL | 1978 O’Day 25
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