At Ahoy!, we are dedicated exclusively to recreational boat insurance. We recognize the unique requirements of Maine boat owners and offer extensive coverage for various vessels, including small fishing boats, powerboats, sailboats, large cabin cruisers, and yachts. We are proud to be the top choice for boating insurance in Maine, offering affordable rates and unparalleled customer service. With Ahoy!, you can trust that your boat is fully covered against potential risks.
Ahoy! Maine!
Looking for Boat Insurance in Maine?
From the Atlantic Coast to its peaceful inland lakes Maine is a great state for boating. No matter what your adventure, Ahoy! Is your partner for boat insurance in Maine.
Start your FREE quoteIs Boat Insurance Required in Maine?
While boat insurance is not mandatory in Maine, it is strongly advised for all boat owners. Accidents on the water can occur just as they do on land, and having proper insurance coverage can shield you from significant financial losses. Additionally, many marinas and yacht clubs require proof of insurance before allowing boats to dock or moor. Without insurance, your access to these facilities may be restricted, limiting your boating options. Moreover, if you plan on financing your boat, most lenders will require insurance coverage for the duration of the loan.
Start a FREE Quote!
Maine Boating Insurance Made Easy
At Ahoy!, our boat insurance in Maine utilizes cutting-edge technology to tailor and simplify coverage, making it easy and enjoyable to insure your vessel. As leaders in boat insurance innovation, Ahoy! covers modern challenges- and our phone overboard coverage can reimburse you if your phone tumbles into the water*. With Ahoy!, you can navigate Maine’s waters with confidence, knowing you’re protected from both traditional risks and today’s unique boating needs. Trust Ahoy! for the best boat insurance in Maine.
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
Our tailor-made coverage options for Maine boaters include:
Liability:
This insurance protects you in the event of an accident where you are liable for causing damage or injury to another person or their property. It ensures coverage for repair costs, medical expenses, and legal fees, offering peace of mind whether you're on the water or transporting your boat.
Comprehensive and Collision:
This coverage safeguards your boat against accidents, natural events, and theft. It handles repair or replacement expenses, helping you return to the water quickly. It also covers financial losses, whether your boat is docked or in use, so you can enjoy your time on the water without worries.
Uninsured/Underinsured Boater Protection:
If you encounter an uninsured or underinsured boater and an accident occurs, this insurance covers costs that the at-fault party cannot pay. It provides an essential financial safety net, ensuring your boating experiences are not marred by unexpected expenses.
Medical Payments:
This coverage pays for medical expenses resulting from a boating accident, irrespective of fault. It covers injuries to you or your passengers, providing necessary financial support during recovery.
On-Water Towing:
Should your boat experience mechanical issues while on the water, this coverage reimburses towing expenses. It ensures you won't be stranded and helps cover the cost of bringing your boat to safety.
Fishing Equipment:
This insurance protects your fishing gear on the boat, covering loss or damage from accidents, natural events, or theft. Secure your equipment with comprehensive boat insurance and fish with confidence.
Worry-Free Boating in Maine with the Ahoy! Mobile App and Boat Insurance
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 Maine
For those who love sailing in Maine, Ahoy! provides specialized insurance tailored to meet the needs of sailboat owners. With our comprehensive policies, you can enjoy the coastal waters knowing your sailboat is well-protected.
Powerboat Insurance in Maine
Ahoy! Insurance offers coverage designed to protect your powerboat, ensuring you have peace of mind while boating along Maine’s beautiful coastlines and rivers. We cater to the powerboating community in Maine with reliable and thorough insurance options.
Fishing Boat Insurance in Maine
Maine’s rich fishing areas, from coastal waters to inland rivers, make it a haven for anglers. Protect your fishing boat and gear with Ahoy! Insurance’s policies, crafted to address the specific requirements of fishermen in Maine.
Cabin Cruiser Insurance in Maine
Exploring Maine’s waterways with a cabin cruiser offers a blend of comfort and adventure. Ahoy! Insurance provides robust coverage options to ensure your cabin cruiser is safeguarded against any unforeseen incidents, letting you enjoy your time on the water worry-free.
Bass Boat Insurance in Maine
Bass fishing in Maine’s lakes and rivers is a popular pastime. Ahoy! Insurance offers specialized policies to keep your bass boat and its equipment safe from damage or loss, allowing you to fish with confidence.
Center Console Boat Insurance in Maine
Center console boats are versatile and commonly used along Maine’s coast and inland waters. Ahoy! Insurance delivers tailored coverage to protect these boats and their gear, ensuring that your boating experience remains stress-free and enjoyable.
Yacht Insurance in Maine
Maine’s coastal regions are perfect for yachting. Ahoy! understands the complexities of yacht ownership and provides comprehensive insurance solutions to cover everything from damage repairs to liability protection. Enjoy your yachting adventures with the assurance that your investment is protected.
Maine 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 Maine 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.