The Centennial State offers ample opportunities for boaters to enjoy water activities against the beautiful backdrop of the Rocky Mountains. While you are boating these majestic waters, the right boat insurance coverage can give you peace of mind. At Ahoy! all we do is boat insurance, and we understand the unique challenges and joys that come with boat ownership in Colorado. No matter what type of boat you have, Ahoy! Can give you the right coverage.
Ahoy! Colorado!
Looking for Boat Insurance in Colorado?
With over 2,000 lakes and rivers, Colorado is a boaters paradise. Set a course for Peace of mind with boat insurance from Ahoy!
Start your FREE quoteIs Boat Insurance Required in Colorado?
While boat insurance is not legally required in Colorado, it’s highly recommended to have coverage for your watercraft. Accidents can happen on the water just like they do on land, and without proper insurance, you could be held liable for any damages or injuries. Additionally, marinas and loan companies may require you to have insurance before allowing you to store or finance a boat.
Start a FREE Quote!
Boating Insurance Made Easy with Ahoy!
At Ahoy!, we’re dedicated to recreational boat insurance because we believe your adventures on Colorado’s stunning lakes and rivers should be worry-free and joyous. Leveraging cutting-edge technology, we craft personalized insurance solutions to safeguard your journey, making insuring your boat in the Centennial State both simple and delightful. Ahoy! leads the way in boat insurance innovation, covering modern-day issues like accidentally submerging your smartphone.
With Ahoy!, you’re equipped to navigate Colorado’s waters with confidence, knowing we cover everything from traditional protections to the unique needs of modern boaters. Plus, we offer affordable coverage options and easy accessibility through the Ahoy! app.
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 custom boating coverage options include:
Liability:
This covers any damages or injuries caused by your boat to other vessels, property, or people. This includes accidental collisions, damage to docks, and harm to passengers or crew members on other boats. It ensures that you are financially protected against potential liabilities.
Comprehensive and Collision:
This covers damages to your own boat due to accidents, natural disasters, theft, or vandalism. In the case of an accident, whether it occurs on the water or while your boat is docked, you can be assured that repairs will be taken care of. It also includes coverage for any personal property on the boat at the time of loss, such as fishing gear, electronics, and other personal belongings.
Uninsured/Underinsured Boater Protection:
This coverage protects you in the event of an accident with a boater who doesn’t have insurance or has insufficient coverage. It covers damages to your boat and any injuries sustained by you or your passengers. Additionally, it can help with medical expenses, lost wages, and other costs associated with the accident. This means you can have peace of mind knowing that you and your loved ones are financially protected, even if the other party is not adequately insured.
Medical Payments:
This coverage provides medical payments for you and your passengers in the case of an accident, regardless of who is at fault. It can cover expenses such as hospital stays, surgeries, and other medical treatments, including emergency room visits, diagnostic tests, and rehabilitation services. By ensuring these costs are covered, you can focus on recovery without the added stress of financial burdens.
Emergency On-Water Towing & Assistance:
At Ahoy!, we understand that accidents can happen on the water, and being stranded or in need of assistance can be a stressful situation. That's why our coverage includes emergency on-water towing and assistance services to help you get back to shore safely. Whether it’s a dead battery, engine failure, or other mechanical issues, our coverage ensures that you'll receive prompt and reliable help when you need it.
Fishing Equipment:
For avid fishermen, we offer additional coverage for accidents or damages to fishing equipment while on the water. This can include damage due to collisions, being lost overboard, or other unforeseen events. We provide full reimbursement for your fishing equipment, with coverage extending up to $10,000, so your fishing adventures can continue without a hitch. Our goal is to ensure that your valuable fishing gear is protected so you can enjoy your favorite hobby without worry.
Colorado Boat Insurance and Worry-Free Boating with the Ahoy! Mobile App
At Ahoy!, we understand that insurance should work for you, not the other way around. That’s why we’ve developed a user-friendly mobile app that puts control of your boat policy at your fingertips. With just a few clicks, you can review and adjust your coverage, file a claim, and access important insurance documents anytime, anywhere. Our app also provides valuable resources such as boating safety tips and weather alerts to ensure you have all the information you need for a safe and enjoyable boating experience.
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 Insights and Warnings’ function keeps you abreast of meteorological conditions, providing timely notifications to keep you ahead of the weather. Furthermore, our ‘DIY 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 nautical escapades as seamless, safe, and delightful as possible!
Sailboat Insurance in Colorado
Ahoy! Insurance is here to safeguard your sailing adventures like never before! Forget the worries—focus on the rhythm of the winds, the dance of the sails, and let those yacht rock tunes set the perfect mood. Raise your sails and let the breeze guide you, all with the confidence that Ahoy! has got your back every step of the way. Don't just sail, sail with peace of mind! Order now and make every maritime journey unforgettable!
Powerboat Insurance in Colorado
In the vast lakes and reservoirs of Colorado, powerboats are your ultimate adventure companions. Whether you're towing a friend on a tube or exploring a hidden cove, Ahoy!'s cutting-edge insurance solutions keep your vessel protected, offering peace of mind and a worry-free experience on the water.
Fishing Boat Insurance in Colorado
With Ahoy!'s fishing boat insurance, you can focus on the thrill of fishing without worrying about insurance hassles! Spend more time picking out the perfect lure and less time stressing about coverage. Ahoy! keeps your valuable fishing moments worry-free and fun-filled!
Cabin Cruiser Insurance in Colorado
Cabin cruisers bring you unmatched comfort and unforgettable overnight escapades! With Ahoy!'s cabin cruiser insurance, you can enjoy every moment on your roomy vessel, cruising beneath golden sunsets, knowing Ahoy! has got your back every step of the way. Don't just cruise—Cruise With Confidence!
Bass Boat Insurance in Colorado
Ahoy!'s bass boat insurance is your ultimate safeguard, not only protecting your boat but also fueling your pursuit of that giant catch! We don't just insure your boat; we cover your valuable fishing gear too, delivering unbeatable, all-inclusive protection!
Center Console Boat Insurance in Colorado
Center Console boats are gaining popularity for their versatile, open cabin design. With Ahoy! insurance, you can enjoy the sunshine and sea spray worry-free. Set sail with confidence and make the most of your adventures!
Yacht Insurance in Colorado
Colorado's largest lakes and waterways inspire many to choose yacht ownership. From damage repair to liability protection, Ahoy! knows the ins and outs of owning a yacht. Set sail with confidence, knowing your investment is safeguarded by Ahoy!'s yacht insurance, letting you enjoy the breathtaking Colorado waters with peace of mind.
Colorado Boat Insurance FAQs
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 Colorado 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.