At Ahoy!, we focus exclusively on recreational boat insurance. We cater to the unique requirements of Minnesota boat owners by offering comprehensive coverage for a variety of vessels, including fishing boats, powerboats, sailboats, and cabin cruisers. We are proud to be the top choice for boating insurance in Minnesota, offering affordable rates and unparalleled customer service. With Ahoy!, you can trust that your boat is fully protected, ensuring a worry-free boating experience.
Ahoy! Minnesota!
Looking for Boat Insurance in Minnesota?
From the picturesque Boundary Waters to Lake Superior, there are endless waterways to explore in Minnesota - and Ahoy! Is your partner for Minnesota boat insurance!
Start your FREE quoteIs Boat Insurance Required in Minnesota?
Boat insurance is not a legal requirement in Minnesota, but it is highly recommended for all boat owners. On-water incidents can occur as easily as on-road ones, and having insurance can protect you from significant financial setbacks. Additionally, marinas and yacht clubs in the state often request proof of insurance before granting docking or mooring access. If you plan to finance your boat, lenders typically insist on insurance coverage for the length of the loan.
Start a FREE Quote!
Simplified Boat Insurance in Minnesota
Ahoy! utilizes advanced technology to deliver tailored and easy-to-understand boat insurance for Minnesota boaters. 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 explore Minnesota’s waters with peace of mind, knowing you’re protected from both conventional risks and contemporary challenges. Choose Ahoy! for the finest boat insurance in Minnesota.
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 [email protected]
Our tailor-made coverage options for Minnesota boaters include:
Liability:
This insurance shields you in cases where you are responsible for an accident that causes harm to others or damages their property. It takes care of expenses related to repairs, medical bills, and legal fees, providing you peace of mind while you’re out on the water. It also extends coverage to incidents that occur when your boat is docked or in transit.
Comprehensive and Collision:
Protects your boat from accidents, weather-related incidents, and theft. It covers the cost of repairs or replacement, ensuring you can return to the water quickly. This coverage offers security whether your boat is in use or docked, so you can enjoy your boating activities without financial worries.
Uninsured/Underinsured Boaters:
If you are involved in an accident with a boater who lacks sufficient insurance, this coverage helps cover the resulting expenses. It provides an additional layer of financial security, ensuring that your boating experiences are not marred by unexpected costs from underinsured parties.
Medical:
Should your boat suffer mechanical issues while on the water, this coverage reimburses you for towing costs. It ensures you’re not left stranded and covers the expenses needed to get your boat to safety.
On-Water Towing:
This coverage provides reimbursement for the costs of towing your boat if it becomes disabled while out on the water. It also covers any emergency services needed to get your boat back up and running, ensuring you can safely return to shore without incurring high expenses.
Fishing Equipment:
Protects your valuable fishing gear from loss or damage due to accidents, weather, or theft. With this coverage, you can secure your fishing equipment and focus on enjoying your time on the water.
Enjoy Stress-Free Boating in Minnesota with Ahoy!’s Mobile App and Insurance
Boating is more than just a pastime; it becomes a cherished part of your lifestyle, creating lasting memories with loved ones. With Ahoy! Insurance’s mobile app, you can handle every aspect of your boat insurance easily from your smartphone.
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 Minnesota
For those who enjoy sailing in Minnesota, Ahoy! offers insurance specifically designed to meet the needs of sailboat owners. Our detailed coverage plans and exceptional customer service ensure that you can sail confidently, knowing your boat is fully protected.
Powerboat Insurance in Minnesota
Ahoy! Insurance provides customized protection for your powerboat, ensuring peace of mind while you navigate Minnesota's beautiful waters. Minnesota has many opportunities for powerboating, and Ahoy! is here to keep you covered.
Fishing Boat Insurance in Minnesota
Minnesota's numerous lakes and rivers make it a top destination for anglers. Protect your fishing boat and gear with Ahoy! Insurance’s specialized coverage, tailored to the unique needs of fishing enthusiasts in the state.
Cabin Cruiser Insurance in Minnesota
Cabin cruisers offer a luxurious way to explore Minnesota's waterways. Ahoy! Insurance offers comprehensive policies to protect your cabin cruiser from unexpected expenses and damages, ensuring a worry-free boating experience.
Bass Boat Insurance in Minnesota
Bass fishing is a popular way to get out on the lakes. Ahoy! Insurance provides specialized policies to protect your bass boat and equipment from accidents or damages, giving you peace of mind as you enjoy your fishing trips.
Center Console Boat Insurance in Minnesota
Center console boats are highly valued for their versatility and practicality, especially in Minnesota's extensive waterways. Ahoy! Insurance offers tailored coverage to safeguard these boats and their gear, allowing you to enjoy your time on the water without worrying about unexpected costs or damages.
Yacht Insurance in Minnesota
Minnesota’s larger lakes are ideal for yachting adventures. Ahoy! offers comprehensive insurance solutions to cover the complexities of yacht ownership, from damage repairs to liability issues. Navigate with confidence, knowing your yacht is well-protected with Ahoy!'s insurance, allowing you to focus on the enjoyment of your journey.
Minnesota 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 Minnesota 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.