At Ahoy! all we do is boat insurance, and we understand the unique challenges and joys that come with boat ownership in Arizona. From comprehensive coverage, through tech-driven features to protect you and your boat, to personalized customer service, Ahoy! is your top choice for boat insurance in Arizona.
Ahoy! Arizona!
Looking for Boat Insurance in Arizona?
Ahoy! is your trusted partner for boating insurance in Arizona. Whether you're on Lake Powell, fishing at Lake Havasu, or enjoying Roosevelt Lake, the right coverage ensures peace of mind.
Start your FREE quoteIs Boat Insurance Required in Arizona?
Arizona does not mandate boat insurance by law, however, boat insurance plays a vital role in safeguarding your peace of mind, and since boating is a recreational activity it should be as worry-free as possible. That is why we are dedicated to helping boaters easily get the coverage they need. With our user-friendly mobile app and straightforward signup process, we aim to enhance your boating experiences, allowing you to navigate Arizona’s waters with confidence and ease. Let Ahoy! Insurance be your compass in the vast sea of boat insurance options, guiding you to a policy that ensures you can fully enjoy your time on the water, worry-free.
Start a FREE Quote!
Ahoy! Makes Boat Insurance in Arizona easier!
Imagine the tranquility and assurance that boat insurance brings as you glide through the expansive waters of Lake Havasu or explore the secluded coves of Lake Powell in Arizona. At Ahoy!, we specialize exclusively in recreational boat insurance because we believe your adventures on Arizona’s stunning lakes should be worry-free and full of joy. Our insurance products are designed with cutting-edge technology to streamline and protect your experience, making it easier to insure your boat, more enjoyable and safer, to use it in the Grand Canyon State.
We are committed to innovation in boat insurance, even covering modern mishaps like dropping your phone in the water! With Ahoy!, you can sail Arizona’s waters knowing that we have you covered, from traditional coverage to the unique needs of today’s boaters.
What types of Boat Insurance does Ahoy! Offer?
Ahoy! proudly provides boat insurance coverage for a wide range of boats. For boats with the following specifications we offer fully-digital policy quoting and binding process which eliminates the haggle and hustle of traditional insurance purchasing:
- No Larger than 50 feet (45 feet for boats 30-40 years old)
- up to 40 years of age and $500,000 value
- up to 500HP per engine for a single or double engine boat, or up to combined 1050HP for triple engines (3 engines max)
We also insure boats between 50 to 95 feet and/or between $500,000 and $2,500,000.
For starting a quote for these please contact us
by phone (1-855-289-2469),
chat www.ahoy.insure, or e-mail firstmate@ahoy.insure
We provide a comprehensive suite of boater-tailored coverage including:
Liability:
Imagine a perfect day on the water suddenly interrupted by an unexpected mishap—maybe a collision with another boat or someone getting injured. This is where liability boat insurance becomes invaluable. It covers costs for damages or injuries you might cause, ensuring your boating adventures stay carefree. Opting for liability insurance means sailing with confidence and being prepared for the unpredictable.
Comprehensive and Collision:
Envision enjoying the tranquility of open waters when suddenly, your boat suffers damage from a storm or a submerged object. Comprehensive and collision boat insurance steps in to cover the repair or replacement costs. Comprehensive insurance protects against non-collision incidents like weather damage, theft, or fire, while collision insurance covers damages from accidents with other boats or objects. Together, they ensure your peace of mind, allowing you to focus on the joy of boating, secure in the knowledge that you are well-protected against the unforeseen.
Uninsured/Underinsured Boaters:
While cruising the waters, you might encounter an uninsured or underinsured boater, leading to an accident where you are not at fault. Uninsured/underinsured boat insurance is your safeguard in such scenarios, covering costs that the responsible party cannot. It is an extra layer of security that ensures you are not left adrift with unexpected expenses, preserving your boating pleasure without financial worries.
Medical:
Medical payments boat insurance acts as a financial safeguard, covering medical expenses for you and your passengers in the event of an accident, regardless of who is at fault. This coverage is crucial for handling unforeseen injuries, ensuring that medical bills do not disrupt your boating experience.
On-Water Towing:
We have teamed up with boat towing experts in Arizona, ready to lend a helping hand when you find yourself in need of a tow back to the shore. Your safety on the water is our top priority, and we've got your back, ensuring you can always make it safely back to dry land!
Fishing Equipment:
If your fishing gear goes overboard, We will fully reimburse your fishing gear, offering coverage up to $10,000, ensuring you can continue landing those impressive catches seamlessly.
Arizona Boat Insurance and Worry-Free Boating with the Ahoy! Mobile App
Boating is not just a hobby; it is a lifestyle! The Ahoy! Mobile App is your trusty companion, not only for insurance but also for elevating your boating days into unforgettable experiences! Let us talk about our ‘Phone Overboard Protection’ feature. When your Ahoy! App is active or running in the background, we are like your nautical detective, confirming if your phone has taken an unscheduled dip. And there is more to discover: our ‘Weather Information and Alerts’ feature keeps you in the know about weather conditions and sends you early alerts. Plus, with our ‘Self Inspection’ tool, you can breeze through a self-check of your boat and earn a fantastic $100 discount on your deductible each year. It is all about ensuring your boating journey is as smooth, secure, and enjoyable as possible!
Sailboat Insurance in Arizona
Ahoy! protects your sailboat and allows you to spend your time thinking about the winds, the sails, yacht rock on the radio. Hoist those sails and let the wind be your guide, secure in the knowledge that Ahoy! is there to support you through every nautical adventure.
Powerboat Insurance in Arizona
Powerboats can be the perfect companion on some of Arizona’s large lakes. Whether you are towing a thrill-seeker on a tube or venturing into a hidden alcove, Ahoy!'s tech-savvy insurance ensures your boat's protection, giving you peace of mind and a worry-free voyage ahead.
Fishing Boat Insurance in Arizona
Ahoy!'s fishing boat insurance allows you to focus on your passion for fishing during your trips, instead of worrying about boat coverage. Spend those precious moments selecting the perfect bait and less time pondering insurance details, thanks to Ahoy!
Cabin Cruiser Insurance in Arizona
A cabin cruiser allows you more space, more comfort and overnight trips, Ahoy!'s cabin cruiser insurance helps you to spend the hours on your cabin cruiser worry free. Drive off the sunlit skies in your Cabin Cruiser knowing that Ahoy! has got your back every step of the way on your journey.
Bass Boat Insurance in Arizona
Ahoy!'s bass boat insurance acts as your steadfast guardian for both your vessel and your attempts to reel in a big one. Not only do we cover your boat, but, we can cover your fishing gear too!
Center Console Boat Insurance in Arizona
Center Console boats are becoming more and more popular as users love the flexibility of these open cabin craft. Ahoy! covers you and your center console boat so that you can enjoy the sun and waves!
Yacht Insurance in Arizona
Arizona’s larger lakes are suitable for Yachts, and they can be a great way to take advantage of sunshine and blue waters. From damage repair to liability protection, Ahoy! understands the intricacies of yacht ownership. Set sail knowing that your investment is protected with Ahoy!'s yacht insurance, allowing you to focus on the horizon ahead with peace of mind.
Boat Insurance FAQ
Coverage Details in Boat Insurance Policies
What is included in my boat insurance policy?
Boat insurance typically covers damage from collisions, fires, theft, lightning, or vandalism, whether on water or land. This includes the boat, its motor, and attached equipment like anchors. It also offers liability coverage for expenses from accidents involving your boat. This can include bodily injury liability, covering medical bills and related costs if someone gets hurt because of your actions, and property damage liability, for damages to others’ boats or property.
Is Insurance Necessary for Less Expensive Boats?
Regardless of your boat’s value, insurance is crucial due to the potential risks involved in boating, like accidents leading to injuries or property damage. Boat insurance can save you from paying these costs from your OWN pocket.
Homeowners Insurance Coverage for Boats
Does Homeowners Insurance Cover My Boat?
Typically, homeowners insurance offers limited coverage for small boats, but not for personal watercraft like jet-skis. The coverage is often restricted to around $1,000 or 10% of your home’s insured value and usually doesn’t include liability coverage.
Off-Season Boat Insurance Coverage for Boats
Should I Insure My Boat During the Off-Season?
Even when not in use, risks like theft or fire persist throughout the year. Keeping your boat insurance active in the off-season protects against these risks, saving you from potential out-of-pocket expenses for damage or theft during these months.
Understanding Boat Insurance Costs
What are the factors that determine the cost of boat insurance?
Boat insurance costs hinge on several key factors, including the boat’s type, size, age, and value, which affect the potential cost of repairs or replacement. The owner’s experience and history of claims can influence rates, too, as insurers gauge the risk level based on past incidents.
Policy choices play a part as well; comprehensive coverage costs more than basic liability, but opting for a higher deductible can reduce the premium. Additionally, safety courses or other qualifications may unlock discounts, demonstrating to insurers a lower risk of accidents.
To learn more, visit Ahoy’s FAQ page
A Step by Step Guide to Boat Insurance in Arizona with Ahoy!
Step 1:
Get a quote and PayLeveraging our seamless sign-up process, get the most modern-minded, tech-driven boating insurance policy out there in just under 10 minutes.
Step 2:
Download our appNow that you are an Ahoy! crew mate, download our mobile app, easily scan photos of your boat for lower claim deductibles and help in case of theft.
Step 3:
Sail away!Sail away into the horizon. Feel fully at peace knowing that our technology-powered mobile app is looking out for you.
Step 4:
We are there for youIf there is an incident, we 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.