Imagine the sun rising over the horizon, your fishing boat slicing through calm waters toward your favorite fishing spot. Your fishing boat is more than a vessel—it’s your gateway to adventure, relaxation, and bonding with family and friends. It’s a vital part of your lifestyle. At Ahoy!, we understand the passion behind every cast and every catch, and we’re committed to ensuring your journey is as smooth as possible with our high-quality fishing boat insurance options. Quicker than you can reel in a big one, we’ll provide you with a quote so you can fish with peace of mind.
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Ahoy! Fishing Boat Owners
Cast off, reel in, and cruise with confidence, Ahoy! is by your side every nautical mile.
Start your FREE quoteAhoy! Fishing Boat Insurance
Your fishing boat is more than just a mode of transportation; it’s a valued part of your fishing adventures, a source of pride, and a significant investment. It’s not just boat ownership—it’s a way of life, tied to the stories you’ll tell and the memories you’ll make out on the water. Ahoy! simplifies protecting your fishing boat and enhances your experience with our Ahoy! App. Our app-based virtual ‘Self-inspection’ feature helps reduce your deductible, and we even cover phone replacement if it goes overboard during your trip!
What Makes Fishing Boat Insurance Unique?
Insuring a fishing boat involves specific considerations that set it apart from insuring other types of watercraft. The design, storage of gear, and onboard equipment can impact your insurance needs. The type of fishing you do—recreational or competitive—as well as your boating location, usage frequency, and risk of equipment loss or theft all factor into your policy. Additionally, fishing boats face unique risks related to their gear and time spent in potentially remote areas, which makes tailored insurance even more important.
What Insurance Options Does Ahoy! Offer for Fishing Boats?
Ahoy! proudly provides boat insurance coverage for a wide range of boats. For fishing boats with the following specifications, we offer a fully digital policy quoting and binding process—no paperwork, no fuss:
- 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 Insurance:
Imagine you’re out enjoying a calm day of fishing when an unexpected incident causes damage to another boat—or worse, someone is hurt. Liability insurance has you covered in these moments, paying for damages or injuries you're responsible for. No one plans for the worst, but being prepared helps ensure your fishing trip doesn’t end with a financial snag.
Comprehensive:
Comprehensive insurance protects your fishing boat from unexpected mishaps like theft, fire, or storm damage—even when it’s in storage. If your boat collides with another vessel, dock, or underwater object, collision coverage has your back.
Coverage Against the Uninsured:
If another boat crashes into yours and they don’t have enough insurance, this coverage helps with repair costs and any related medical expenses. It’s a crucial safety net so you can keep your focus on the fish, not the finances.
Medical:
Boating safety extends beyond the boat itself. Medical coverage helps pay for injuries sustained by you or your guests while aboard, providing essential peace of mind every time you cast off.
On-Water Towing:
We’ll cover your on-water towing expenses—up to the amount you specify—so you never feel stranded.
Fishing Equipment:
Should your fishing need to be replaced due to a boat accident or go missing rest assured, you are covered. We will fully reimburse you for the replacement of these items, with a generous limit of up to $10,000.
Fishing Boat Insurance and Worry-Free Boating with the Ahoy! Boat App
A fishing boat insurance policy is designed to protect you during your angling adventures—whether you’re exploring new fishing grounds, returning to a trusted cove, trolling offshore, or enjoying a quiet day with the lines out. As essential as your boat itself, the Ahoy! App is your digital co-pilot, prioritizing safety and amplifying the enjoyment of every fishing trip.
Some of our mobile app features are:
Phone Replacement:
Introducing our exclusive ‘Phone Overboard Protection’ feature designed specifically for boaters. If your Ahoy! App is active and your phone accidentally goes overboard, we got you covered – we will replace your phone!
Get Alerted About the Weather!
Our weather and alerts feature ensures you stay informed about local weather conditions and receive timely warnings. This helps you stay safe and make informed decisions while sailing.
Self Inspection Saves You Money!
Use our app effortlessly to conduct a ‘Self Inspection’ before setting sail on your boating adventure. By doing so, you can ensure safety and quality while enjoying a seamless experience. Plus, you will receive a $100 discount on your deductible! Our goal is to make your boating experience as smooth, secure, and rewarding as possible.
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
If 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.
A Step by Step Guide to Fishing Boat Insurance 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’s 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.