At Ahoy!, we understand that Arkansas boaters have unique needs and preferences. That’s why we offer personalized boat insurance policies tailored to fit your specific requirements and budget. We have coverage options for all types of boats – from small fishing boats and power boats, to large cabin cruisers & more! Whether cruising in a pontoon boat on Table Rock Lake, or fishing in one of the many rivers, Arkansas has abundant boating opportunities. We are proud to be Arkansas’s premier choice for boating insurance, offering competitive rates and unmatched customer service.
Ahoy! Arkansas!
Looking for Boat Insurance in Arkansas?
From the majestic Ozarks to the winding rivers, Arkansas is brimming with scenic lakes and rivers. Wherever your boat takes you, make sure you have right boat insurance with Ahoy!
Start your FREE quoteIs Boat Insurance Required in Arkansas?
Like many states, Arkansas does not require boat owners to have insurance. However, this doesn’t mean you should overlook the importance of having coverage for your vessel. Without insurance, you could be held personally liable for any damages or injuries caused by your boat. Additionally, marinas and other waterway businesses may require proof of insurance before allowing you to launch your boat in their facilities. It’s always better to have adequate insurance coverage than facing costly out-of-pocket expenses in case of an accident.
Start a FREE Quote!
Arkansas Boating Insurance Made Simple
At Ahoy!, we believe that getting boat insurance should be effortless and hassle-free. That’s why we’ve made the boating insurance process simple and straightforward. Ahoy! uses the latest technology to customize and simplify coverage, making it easy and enjoyable to insure your vessel. As leaders in boat insurance innovation, Ahoy! covers modern challenges – and our phone overboard coverage can reimburse you if your phone tumbles into the water.
With Ahoy!, you can explore Arkansas’s waters with confidence, knowing you’re protected from both traditional risks and today’s unique boating needs. Trust Ahoy! for the best boat insurance in Arkansas.
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
Our personalized boat insurance coverage options for Arkansas boaters includes:
Liability:
This coverage protects you in case of injuries or damages caused to others by your boat. It covers legal fees, medical expenses, and other related costs, ensuring you are not financially burdened by accidents. Whether it's a minor mishap or a significant incident, this insurance helps manage the aftermath. It provides peace of mind, knowing that you are safeguarded against unforeseen events while enjoying your time on the water. Additionally, it can cover repairs to other boats or property damaged in the incident, offering comprehensive protection.
Comprehensive and Collision:
This coverage provides financial protection in case of damage to your boat due to a collision, fire, or theft. It also covers any repairs or replacement costs for your boat and its equipment. With comprehensive and collision coverage, you don't have to worry about expensive out-of-pocket expenses if your boat is damaged while on the water.
Uninsured/Underinsured Boaters:
This coverage protects you in case of an accident caused by another boater who does not have insurance or has inadequate coverage. It provides coverage for your medical expenses and lost wages if the other party is unable to pay for damages.
Medical:
This coverage helps pay for medical expenses in case of an accident on your boat. It covers you and your passengers, ensuring that any necessary medical treatment is taken care of. Whether it's a minor injury or a more serious medical emergency, this coverage provides peace of mind knowing that medical bills are managed. It includes expenses like hospital visits, surgeries, and even rehabilitation if needed, making sure that everyone on board is well-protected.
On-Water Towing:
This coverage provides reimbursement for the costs of towing your boat if it becomes disabled while out on the water. It also covers any emergency services needed to get your boat back up and running, ensuring you can safely return to shore without incurring high expenses.
Fishing Equipment:
This coverage safeguards your fishing gear and equipment against theft, damage, or loss overboard. It encompasses items such as rods, reels, tackle boxes, and other fishing accessories, ensuring peace of mind for avid anglers. We provide full reimbursement for your fishing equipment, with coverage extending up to $10,000, allowing your fishing adventures to continue seamlessly.
Worry-Free Boating in Arkansas with the Ahoy! Mobile App and Boat Insurance
Boating is more than just a hobby; it’s a way of life, forging unforgettable memories with family and friends. With Ahoy! Insurance’s mobile app, you can effortlessly manage all your boat insurance needs right from your smartphone.
Dive into our ‘Overboard Phone Protection’ feature. With the Ahoy! App operational or idling in the background, we act as your maritime investigator, verifying if your phone has unexpectedly taken a plunge. But that’s just the tip of the iceberg: our ‘Weather Information and Alerts’ function keeps you abreast of meteorological conditions, providing timely notifications to keep you ahead of the weather. Furthermore, our ‘Self Inspection’ feature allows you to conduct self assessment of your boat effortlessly, rewarding you with an enticing $100 reduction on your deductible each year. Our goal is to make your boating time as worry free, safe, and delightful as possible!
Insurance for Sailboat in Arkansas
For sailboat enthusiasts in Arkansas, Ahoy! offers specialized insurance options tailored to the unique needs of sailors. With our comprehensive coverage options and exceptional customer service, you can set sail with confidence, knowing your vessel is well-protected.
Insurance for Powerboats in Arkansas
Ahoy! Insurance provides tailored coverage options to safeguard your investment, ensuring worry-free boating in the scenic waters of Arkansas. As a favored destination for powerboaters, Arkansas is well-covered with Ahoy!
Insurance for Fishing Boats in Arkansas
With its stunning lakes and rivers, Arkansas is a haven for fishing enthusiasts. Safeguard your fishing boat and gear with Ahoy! Insurance's specialized coverage options, designed to meet the unique needs of fishermen in Arkansas.
Insurance for Cabin Cruisers in Arkansas
Cabin cruisers are a top pick for boaters in Arkansas, offering a comfy & luxurious way to explore the state's stunning waterways. With Ahoy! Insurance's comprehensive coverage, you can focus on your adventure without fretting about unexpected costs or damages. Dive into worry-free boating today!
Insurance for Bass Boat Insurance in Arkansas
Bass fishing is a beloved pastime in Arkansas, and with Ahoy! Insurance's tailored coverage options, you can safeguard your bass boat and equipment against accidents or damages. Hit the water with the assurance that our comprehensive insurance has you fully covered.
Center Console Boat Insurance in Arkansas
Center console boats are a top pick for Arkansas boaters, thanks to their unmatched versatility and functionality. With Ahoy! Insurance's tailored coverage options, you can safeguard your prized vessel and its gear from any mishaps or damages. Set sail with peace of mind, knowing you're protected from unexpected costs or losses, and make the most of your time on the water!
Yacht Insurance in Arkansas
For those with a taste for luxury and adventure, yacht ownership is a dream come true. Ahoy! Insurance offers specialized coverage options for yachts in Arkansas, ensuring all aspects of your vessel are protected. From the hull to the equipment on board, our comprehensive coverage allows you to enjoy your yacht worry-free while exploring the beautiful waters of Arkansas. Trust Ahoy! Insurance to provide top-notch protection for your prized possession.
Arkansas 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 Arkansas 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.