Do you own a boat or are you considering purchasing one in Delaware? Whether you are cruising the Atlantic in Rehoboth Bay or fishing the Nanticoke River you need to make sure you have the right insurance to protect yourself and your investment. That’s where Ahoy! comes in – your premier choice for boating insurance coverage in Delaware.
Ahoy! Delaware!
Looking for Boat Insurance in Delaware?
With numerous lakes and a gorgeous Atlantic Ocean coastline, Delaware provides plenty of opportunities for boaters to enjoy stunning scenery and water activities - find coverage for your boat with Ahoy!
Start your FREE quoteIs Boat Insurance Required in Delaware?
Boat insurance is not mandatory in Delaware. However, it’s highly recommended to have coverage, especially for those who own powered vessels, such as motorboats, personal watercraft, or sailboats with auxiliary motors. While insurance is not required by law, having coverage can provide financial protection in case of accidents or damage, offering peace of mind on the water.
Start a FREE Quote!
Ahoy! Makes Boating Insurance Simple
At Ahoy!, we specialize in recreational boat insurance because we believe your adventures on Delaware’s beautiful lakes and rivers should be carefree and joyful. Using state-of-the-art technology, we create tailored insurance solutions to protect your journey, making insuring your boat in the First State both easy and enjoyable.
With Ahoy!, you’re ready to explore Delaware’s waters with confidence, knowing we cover everything from traditional protections to the unique needs of today’s boaters. Plus, we offer affordable coverage options and seamless 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
What Are Ahoy!'s Boating Insurance Coverage Options?
Liability Coverage:
Our liability coverage protects you in case of accidents or injuries caused by your boat, including property damage and medical expenses. This means that if someone is hurt or if another's property is damaged due to an incident involving your boat, our coverage ensures that you won't have to bear the financial burden alone. Additionally, this protection offers peace of mind, allowing you to enjoy your time on the water without worrying about unforeseen mishaps.
Comprehensive and Collision:
Our comprehensive and collision coverage options provide extensive protection for your boat, whether it's on the water, in storage, or being transported. This coverage includes protection against a wide range of potential damages such as theft, vandalism, fire, storms, sinking, and other unforeseen events. With our insurance, you can have peace of mind knowing your valuable asset is safeguarded against multiple risks, ensuring you can enjoy your boating adventures without worry.
Uninsured/Underinsured Boater Protection:
This coverage option protects you in case of an accident caused by another boater who doesn't have insurance or enough coverage to fully compensate for your losses. We understand that accidents happen, and unfortunately, not everyone has adequate insurance coverage. That's why we offer uninsured/underinsured boater protection to ensure you're not left with significant financial losses if an incident occurs.
Medical Payments:
At Ahoy!, we understand the importance of timely and sufficient medical care in case of a boating accident. Our medical payments coverage provides assistance in paying for medical expenses due to bodily injury while on your boat, regardless of who is at fault. This option can save you from unexpected out-of-pocket expenses and allow you to focus on recovering rather than worrying about medical bills.
Emergency On-Water Towing & Assistance:
As any seasoned boater knows, breakdowns and malfunctions are common on the water. That's why we offer emergency on-water towing and assistance coverage to ensure you're not stranded in case of an unexpected mechanical issue.
Fishing Equipment Accidents:
For passionate anglers, we provide extra protection for your fishing gear against accidents or damage on the water. Whether it's due to collisions, being lost overboard, or unexpected incidents, we've got you covered. With reimbursement up to $10,000, you can fish with peace of mind, knowing your equipment is safeguarded. Our aim is to keep your fishing adventures worry-free and your gear secure.
Delaware Boat Insurance and Worry-Free Boating with the Ahoy! Mobile App
At Ahoy!, we believe insurance should work for you, not the other way around. That’s why we’ve created an intuitive mobile app that gives you full control of your boat policy right from your phone. With just a few taps, you can review and tweak your coverage, file claims, and access crucial documents anytime, anywhere. Plus, our app is packed with valuable resources like boating safety tips and real-time weather alerts, ensuring you’re always informed for a safe and fun boating adventure.
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 Delaware
For the avid sailor, we offer specialized sailboat insurance in Delaware that caters to the unique needs of your sailboat. Spend more time finding the perfect tack, and let Ahoy! Help you with the insurance!
Powerboat Insurance in Delaware
For those who prefer the thrill of powerboat adventures, we offer comprehensive insurance options for all types of powerboats in Delaware. From small recreational boats to high-performance speedboats, our coverage includes protection for your boat and its equipment, as well as liability coverage for accidents on the water.
Fishing Boat Insurance in Delaware
For anglers who love to fish in Delaware's rivers, lakes, and coastal waters, we offer specialized insurance options for fishing boats. Our coverage includes protection for your boat and its equipment, as well as liability coverage for accidents while fishing. We also offer additional coverage for your fishing gear under our Fishing Equipment Accidents option. Ahoy! keeps your valuable fishing moments worry-free and fun-filled!
Cabin Cruiser Insurance in Delaware
For those who enjoy long journeys and overnight stays on their boat, we offer insurance options for cabin cruisers. With our comprehensive insurance options, you can relax and fully enjoy your time on the water.
Bass Boat Insurance in Delaware
For avid bass fishermen in Delaware, we offer specialized insurance options for your bass boat. We also offer additional coverage for your fishing gear under our Fishing Equipment Accidents option. With our comprehensive insurance options, you can focus on reeling in the big ones without worrying about potential risks on the water.
Center Console Boat Insurance in Delaware
For those who love the versatility and functionality of center console boats, we offer specialized insurance options in Delaware. With our comprehensive insurance options, you can confidently navigate through any adventure on your center console boat without worrying about potential risks.
Yacht Insurance in Delaware
For boat owners with larger vessels, we offer specialized yacht insurance options. Our coverage includes protection for your yacht and its equipment, as well as liability coverage for accidents on the water. With our comprehensive insurance options, you can sail with confidence and enjoy all that Delaware has to offer on your yacht.
Delaware 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 Delaware 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.