Are you heading out to Lake Coeur D’alene or the Snake River or any other Idaho waterway? Then you need to make sure you have the best insurance to protect yourself and your investment. That’s where Ahoy! comes in – your premier choice for boating insurance coverage in Idaho. At Ahoy! all we do is boat insurance, and we understand the unique challenges and joys that come with boat ownership
Ahoy! Idaho!
Looking for Boat Insurance in Idaho?
With numerous lakes and waterways Idaho offers plenty of opportunities for boaters to enjoy stunning scenery and water activities. Set a course for Peace of mind with boat insurance from Ahoy!
Start your FREE quoteIs Boat Insurance Required in Idaho?
Unlike car insurance, boat insurance is not required by law in Idaho. However, it is highly recommended to have proper coverage for your boat to protect yourself and those around you. Accidents can happen on the water just as easily as they do on land, and having boat insurance can provide financial protection and peace of mind.
Start a FREE Quote!
Ahoy! Makes Boating Insurance Easy & Affordable
Ready for carefree adventures on Idaho’s lakes and rivers? At Ahoy!, we get that. That’s why we specialize in recreational boat insurance, making sure your trip is all joy and no hassle. With cutting-edge technology, we craft insurance plans that fit your needs perfectly.
With Ahoy!, insuring your boat has never been easier – From traditional protections to the unique needs of modern boaters, we’ve got you covered! Plus, our affordable coverage options and the Ahoy! app make everything a breeze. Explore Idaho’s waters with confidence—Ahoy! has your back.
What types of Boat Insurance does Ahoy! Offer?
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:
This type of coverage protects you if you cause damage to another person's boat or property while operating your vessel. For example, if you accidentally collide with another boat while docking, this coverage would help pay for the repairs. Additionally, it can cover legal fees in the event that the other party decides to take legal action against you. It also provides peace of mind knowing that you are financially protected against unforeseen accidents and potential liabilities. Whether you are a seasoned sailor or a weekend boater, having this coverage is an essential part of responsible boating.
Comprehensive and Collision:
This coverage protects your boat from physical damage caused by accidents, theft, vandalism, and other covered events. It also covers the cost of repairs or replacement if your boat is damaged or destroyed due to a collision with another vessel or object. This coverage is especially important for newer or more expensive boats as it helps protect your investment for years to come.
Uninsured/Underinsured Boater Protection:
This coverage helps to protect you and your passengers in the event of an accident with a boater who does not have insurance or has inadequate coverage. For example, if you are involved in a collision with an uninsured boater and suffer injuries, this coverage can help pay for your medical expenses, lost wages from time off work, and other damages resulting from the accident.
Medical Payments:
This coverage helps to pay for medical expenses related to an accident on the water, regardless of who is at fault. It can cover costs such as hospital bills, surgical procedures, and other medical treatments that may be needed after a boating accident. This coverage can provide peace of mind knowing that you and your passengers are protected in case of injury.
Emergency On-Water Towing & Assistance:
At Ahoy!, we understand that things can go wrong while boating. That's why we offer emergency on-water towing and assistance coverage to help you in case of a breakdown or other emergency situation on the water. Whether you need a tow back to shore or fuel delivery, this coverage can save you from unexpected expenses and stress.
Fishing Equipment Accidents:
If you are an avid angler, then you know how expensive fishing equipment can be. This coverage helps to protect your fishing gear from accidents on the water, such as theft or damage caused by a collision or capsizing. It can also cover the cost of replacing lost or damaged equipment.
Idaho Boat Insurance and Worry-Free Boating with the Ahoy! Mobile App
Looking for insurance that actually works for you? At Ahoy!, we’ve designed a user-friendly mobile app that lets you manage your boat policy directly from your phone. With a few simple taps, you can review and adjust your coverage, file claims, and access essential documents anytime, anywhere. Our app also offers valuable resources such as boating safety tips and real-time weather alerts, ensuring you’re always prepared for a safe and enjoyable 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 Idaho
For the passionate sailors in Idaho, we provide custom-tailored sailboat insurance options designed to meet the specific needs of your vessel. Our plans cover your sails, mast, and other rigging equipment, along with liability coverage for sailing mishaps. Plus, our roadside assistance applies to trailerable sailboats, giving you peace of mind while towing your boat.
Powerboat Insurance in Idaho
If you prefer the thrill of powerboating, Ahoy! has got you covered with our comprehensive insurance options. Our plans cover a wide range of powerboats, including motor yachts, speed boats, and jet skis. With features like emergency on-water towing and assistance, fishing equipment coverage, and personal effects coverage, we ensure that your time on the water is worry-free and enjoyable.
Fishing Boat Insurance in Idaho
Fishing is a popular recreational activity in Idaho, and our team at Ahoy! knows the importance of protecting your fishing boat. Our fishing boat insurance options include coverage for both the vessel and your fishing equipment, ensuring that you can continue to enjoy your time on the water without worrying about unexpected expenses.
Cabin Cruiser Insurance in Idaho
For those who enjoy extended stays on the water, we offer specialized cabin cruiser insurance options in Idaho. Our coverage includes protection for your boat's living quarters, as well as liability coverage for any accidents that may occur while onboard. With features like comprehensive and collision coverage, emergency on-water towing and assistance, and personal effects coverage, you can relax and enjoy your time on the water without any worries.
Bass Boat Insurance in Idaho
At Ahoy!, we understand the unique needs of bass boat owners in Idaho. Our specialized bass boat insurance options cover not only your vessel but also your fishing equipment and other gear. We also offer liability coverage for accidents that may occur while on the water, ensuring that you can continue to fish with peace of mind.
Pontoon Boat Insurance in Idaho
Pontoon boats are a popular choice for recreational boating in Idaho, and at Ahoy!, we have insurance options tailored specifically for these versatile vessels. Our plans cover both the boat itself and any additional equipment, along with liability coverage for accidents that may occur while onboard. With features like emergency on-water towing and assistance, fishing equipment coverage, and personal effects coverage, we ensure that you can enjoy your time on the water without any worries.
Center Console Boat Insurance in Idaho
For those who own a center console boat in Idaho, we offer specialized insurance options to protect your vessel and its unique features. Our coverage includes protection for the boat's center console and any additional equipment on board. We also provide liability coverage for accidents that may occur while using your boat, along with features like emergency on-water towing and assistance, fishing equipment coverage, and personal effects coverage.
Yacht Insurance in Idaho
For those who own a luxury yacht in Idaho, we offer a range of comprehensive insurance options to protect your investment. Our plans cover not only the vessel but also any additional equipment and features such as onboard amenities and electronics. With features like emergency on-water towing and assistance, personal effects coverage, and liability coverage for accidents, we ensure that your time on the water is worry-free and enjoyable.
Idaho 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 Idaho 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.