At Ahoy!, we understand that the thrill of navigating Louisiana’s beautiful waterways deserves the best protection available. Whether you’re cruising along the bayou or fishing in one of the state’s picturesque lakes, our tailored insurance solutions ensure that you can enjoy every adventure with peace of mind. With our dedicated team, competitive rates, and comprehensive coverage options, we are here to help you safeguard your vessel, so you can focus on making unforgettable memories on the water!
Ahoy! Louisiana!
Looking for Boat Insurance in Louisiana?
Whether you're boating on Lake Pontchartrain or the Mississippi River, Louisiana offers unique adventures for all! Wherever your journey takes you, trust Ahoy! for dependable boat insurance.
Start your FREE quoteIs Boat Insurance Necessary in Louisiana?
Boat insurance is not required by law in Louisiana, but it’s highly recommended for any boat owner. Accidents can happen on the water, and having insurance can protect you from costly damages and liability. Additionally, some marinas and rental companies may require proof of insurance before allowing you to dock or rent a boat. It’s always better to be safe than sorry when it comes to protecting your investment.
Start a FREE Quote!
Louisiana Boat Insurance Done Right!
At Ahoy!, we pride ourselves on providing boat insurance that is tailored to the specific needs of our Louisiana customers. We understand the unique risks associated with boating in this state and work closely with our clients to ensure they have the right coverage for their vessel.
Our team of experienced agents will take the time to understand your boating habits, type of boat, and any additional equipment or accessories you have onboard. This allows us to create a customized policy that covers all aspects of your boating adventures.
Additionally, we offer competitive rates and flexible payment options to fit your budget. Our goal is to make sure our customers have the best boat insurance coverage at an affordable price.
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 30 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
Personalized Boating Insurance Coverage in Louisiana:
Liability Coverage
This protects you from the costs of damages and injuries to other boaters or property if you're found responsible for a water accident. Liability coverage is a must-have for every boat owner, giving you a safety net against potential lawsuits.
Comprehensive and Collision Coverage
This type of coverage has got your back, protecting your boat from accidents, theft, vandalism, or natural disasters. Plus, if your boat's damaged beyond repair, it helps cover the cost of repairs or getting a new one.
Uninsured/Underinsured Boater Protection
This has you covered if you're in an accident with another boater who either doesn’t have insurance or has too little to cover the damages. Situations like this can be a financial headache, leaving you to handle repair costs for your boat and any others involved. With this insurance, you're protected from those out-of-pocket expenses, so you can enjoy boating stress-free.
Medical Payments
If anyone gets injured or there's an accident on board, medical payments coverage steps in to help with the cost of treatment for you and your passengers, no matter who's at fault.
On-Water Towing:
If your boat breaks down or runs out of fuel on the water, this option covers towing and assistance to get you back to shore safely. Whether it's engine trouble, mechanical failure, or low fuel, you can rely on professional services to ensure you and your vessel return safely. This peace of mind lets you enjoy your time on the water without worrying about potential mishaps.
Fishing Equipment Protection
his coverage will reimburse you for any lost or damaged fishing equipment while on board your boat, including rods, reels, tackle boxes, and other gear essential for your fishing trips. Whether it's due to unforeseen weather conditions or accidental mishandling, you can have peace of mind knowing that your valuable equipment is protected.
Boat Insurance Just Got Easier - The Ahoy! Mobile App
Boating is all about enjoying your time on the water, but when challenges arise, protection is key. At Ahoy!, we aim to ensure your time on the water remains delightful and mishaps are handled simply and swiftly. Our user-friendly mobile app lets you manage your policy, file claims, access important documents, and seek assistance—all while you’re enjoying your boating experience. Additionally, our 24/7 emergency support provides peace of mind, knowing help is just a tap away should anything unexpected occur during your adventures on the water.
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 Louisiana
When it comes to exploring the serene waters of Louisiana, having the right sailboat insurance is essential for peace of mind. Whether you're gliding gracefully along the bayous or navigating the vibrant Gulf, our tailored sailboat insurance policies ensure that you are well protected against the unpredictable nature of boating. With comprehensive coverage options that cater specifically to the needs of sailboat owners, you can focus on enjoying every moment on the water while knowing that you're backed by Ahoy!—your trusted partner in maritime protection. Let us help you safeguard your adventures while you embrace the beauty and excitement of Louisiana's sailing experience!
Powerboat Insurance in Louisiana
Navigating the lively waters of Louisiana with your powerboat should be as exhilarating as the thrill of the ride itself, and with our specialized powerboat insurance, you can take those journeys with confidence. Designed for the avid powerboat enthusiast, our comprehensive coverage ensures that you're protected from unforeseen incidents, whether you're racing across open waters or enjoying a leisurely cruise. Experience peace of mind knowing that Ahoy! is dedicated to safeguarding your adventures, allowing you to focus on the excitement and freedom that comes with every wave you conquer. Embrace the power of protection and enjoy the waterways of Louisiana to the fullest!
Fishing Boat Insurance in Louisiana
Experience the thrill of fishing in Louisiana's beautiful lakes and rivers with complete peace of mind, thanks to our dedicated fishing boat insurance. Whether you're casting a line in the serene waters of Lake Pontchartrain or navigating the twists and turns of the Mississippi River, our comprehensive policies ensure that you're well protected against potential risks. With Ahoy! at your side, you can focus on reeling in the big one, knowing that your boat and fishing gear are safeguarded. Make every fishing trip enjoyable and stress-free, as we provide the coverage you need to navigate Louisiana's finest fishing spots without a worry in the world!
Cabin Cruiser Insurance in Louisiana
Set sail on your next adventure with confidence, knowing that our cabin cruiser insurance offers comprehensive protection tailored for those who love to explore the scenic waterways of Louisiana. Designed specifically for cabin cruisers, our policies not only safeguard your vessel but also ensure that every journey is worry-free, allowing you to fully embrace the joys of the open water. Whether you're hosting friends on a luxurious weekend getaway or discovering hidden gems along the coastline, let Ahoy! be your trusted partner in preserving both your vessel and your priceless memories. Your next unforgettable cruise awaits!
Bass Boat Insurance in Louisiana
Unlock the full potential of your fishing adventures with our specialized bass boat insurance, uniquely designed for the passionate anglers of Louisiana. Whether you're targeting the perfect catch in the hidden coves of the Bayou or navigating the bustling waterways of Lake Pontchartrain, you can fish with confidence knowing your bass boat is safeguarded against unexpected incidents. With Ahoy! as your insurance partner, focus on reeling in your dream fish while we protect your vessel and equipment, ensuring that every outing is not just successful, but also stress-free and memorable. Let the thrill of the catch begin!
Center Console Boat Insurance in Louisiana
When it comes to enjoying a day out on the stunning waters of Louisiana, center console boats are designed for versatility and adventure. With our tailored center console boat insurance, you can navigate with the confidence that you're protected against the unexpected, allowing you to make the most of your maritime excursions. Whether you're fishing, cruising, or simply soaking in the sun, Ahoy! ensures that your vessel is covered, giving you peace of mind while you explore Louisiana's finest aquatic landscapes. Embrace the excitement of the open water, knowing that with Ahoy! by your side, your adventures are safeguarded every step of the way!
Yacht Insurance in Louisiana
Set your course for adventure with our comprehensive yacht insurance, specifically designed to protect your luxurious vessels as you explore the breathtaking waters of Louisiana. Whether you're hosting a sunset soirée on the deck or embarking on an exhilarating voyage along the Gulf Coast, our tailored coverage ensures that you can savour every moment without worry. With Ahoy! by your side, your yacht is not just an investment—it's a gateway to unforgettable experiences on the water, safeguarded against the unexpected so you can navigate with confidence and style.
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 Louisiana 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.