At Ahoy!, we understand the importance of protecting your boat and ensuring your peace of mind while out on the water. As Iowa’s top-rated boat insurance company, we offer comprehensive coverage options to fit every type of boater’s needs.
Ahoy! Iowa
Looking for Boat Insurance in Iowa?
From cruising Lake Okoboji, to fishing on the Iowa River, there's plenty of fun to have on Iowa's waterways. Wherever your adventure leads, trust Ahoy! for boat insurance in Iowa.
Start your FREE quoteIs Boat Insurance Necessary in Iowa?
While Iowa does not have a specific law requiring boat owners to have insurance, it is highly recommended for all boaters to have coverage. Accidents can happen at any time on the water, and without insurance, you could be left with expensive repair costs or legal fees if someone is injured in an accident involving your boat. Protect yourself and your investment—get insured with Ahoy! today!
Start a FREE Quote!
Get Quality Boat Insurance in Iowa with Ahoy!
For many Iowans, boating is more than a hobby—it’s a way of life! At Ahoy!, we specialize in custom boating insurance policies just for you, making your time on the water smooth and worry-free.
With our cutting-edge mobile app, we simplify boating insurance, letting you enjoy more time on the water. Our committed team takes care of everything, from claims to emergency support, ensuring peace of mind on every adventure.
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
At Ahoy!, We Offer A Wide Variety of Boat Insurance Coverage Options:
Liability:
This insurance coverage safeguards you from legal fees and damages that may arise if you are responsible for an accident while on the water. It ensures financial protection and peace of mind, allowing you to navigate your boating adventures with confidence.
Comprehensive and Collision:
If your boat is damaged in an accident or by natural disasters, this coverage option helps cover the cost of repairs or replacement. You can choose the level of coverage that best suits your needs and budget.
Uninsured/Underinsured Boaters:
This insurance coverage protects you and your passengers in the event of an accident caused by an uninsured or underinsured boater. It covers medical expenses, lost wages, and other damages that may result from these types of accidents.
Medical:
If an accident occurs while on your boat, this coverage provides financial help for medical expenses. It ensures you and your passengers get necessary care without the stress of unexpected costs. Whether it's a minor injury or a serious incident, this coverage eases the financial burden of medical care on the water.
On-Water Towing:
If your boat breaks down while you're out on the water, this coverage option provides financial assistance by helping cover the cost of towing your vessel to the nearest repair facility. This ensures you can quickly and safely address any mechanical issues without worrying about the expense of getting your boat back to shore.
Fishing Equipment:
For avid fishermen, this coverage option provides financial protection for your fishing equipment in the event of loss or damage. Whether it's rods and reels, tackle boxes, or other gear, we've got you covered.
Relax on Your Next Boating Trip with the Ahoy! Mobile App
At Ahoy!, our goal is to make boat insurance in Iowa as simple and easy as possible. That’s why we offer a user-friendly mobile app that lets you manage your policy, file claims, access important documents, and even request assistance while on the water. Plus, our 24/7 emergency support means you’re never alone in case of an accident or unexpected issue during your boating adventures.
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!
Sailboat Insurance in Iowa
At Ahoy!, we understand the unique needs of sailboat owners and offer specialized coverage options to protect your investment. Whether you're a weekend sailor or a seasoned racer, our customizable policies ensure that you have the right coverage for your specific sailboat and boating activities.
Powerboat Insurance in Iowa
For powerboat owners, Ahoy! offers comprehensive coverage options tailored to protect your vessel and all of its equipment. We understand the thrill and freedom that comes with owning a powerboat, but we also know the risks involved. That's why our policies provide financial protection for accidents, damages, and other unexpected incidents.
Fishing Boat Insurance in Iowa
For avid fishermen in Iowa, Ahoy! offers specialized coverage options for your fishing boat. We understand the importance of your equipment and the potential risks that come with being out on the water all day. Our policies provide financial protection for any accidental damages or losses to your fishing gear, ensuring you can continue enjoying your favorite pastime without worry.
Cabin Cruiser Insurance in Iowa
For those who enjoy extended trips on the water, Ahoy! offers coverage for cabin cruisers. These larger vessels require specialized insurance to protect against potential accidents, damages, and other unforeseen incidents. Our policies provide financial protection for these risks, allowing you to relax and enjoy your time on the water without any added stress or worry.
Bass Boat Insurance in Iowa
For bass boat owners, Ahoy! offers specialized coverage options to protect your valuable investment. We understand the unique risks and needs of bass fishermen and our policies provide financial protection for accidents, damages, and other unforeseen incidents that may occur while out on the water. With Ahoy!, you can focus on reeling in that big catch without worrying about any potential mishaps.
Center Console Boat Insurance in Iowa
For owners of center console boats, Ahoy! offers comprehensive coverage options to protect your boat and all of its equipment. These versatile vessels are used for everything from fishing to cruising, and our policies provide financial protection for any accidents or damages that may occur while on the water. With Ahoy!, you can confidently enjoy all of your boating activities without any added stress or worry.
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 Iowa 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.