At Ahoy!, our focus is entirely on recreational boat insurance. We cater specifically to the needs of Montana boat owners, offering a wide range of coverage for various types of boats, including fishing boats, powerboats, sailboats, and cabin cruisers. Our goal is to provide comprehensive protection and outstanding customer service, ensuring that your vessel is always secure.
Ahoy! Montana!
Looking for Boat Insurance in Montana?
Whether you're cruising Flathead Lake or the Missouri River, boating in Montana provides endless adventures. Wherever you go, Ahoy! is your partner for boat insurance in Montana.
Start your FREE quoteIs Boat Insurance Necessary in Montana?
Although not legally required in Montana, boat insurance is highly recommended. Watercraft accidents can lead to significant financial burdens, and having insurance can help mitigate these costs. Many marinas and yacht clubs in Montana require proof of insurance before granting access to their facilities. Additionally, if your boat is financed, lenders typically mandate insurance coverage for the duration of the loan. Having the right insurance ensures that you can enjoy your boating activities with peace of mind.
Start a FREE Quote!
Montana Boating Insurance Made Simple
At Ahoy!, we use cutting-edge technology to offer tailored and straightforward boat insurance coverage for Montana boaters. Our innovative approach ensures that insuring your vessel is a hassle-free and enjoyable experience. 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 confidently explore Montana’s lakes and rivers, knowing you are safeguarded against both traditional risks and today’s unique boating challenges. Trust Ahoy! for top-quality boat insurance in Montana.
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 Montana boaters includes:
Liability:
This policy ensures you're protected if you cause an accident that results in injury or property damage to others. It covers the expenses for repairs, medical costs, and legal fees, giving you the confidence to enjoy your boating activities. It also includes incidents that happen while your boat is docked or being transported, providing all-around protection.
Comprehensive and Collision:
This insurance guards your boat against damage from accidents, weather events, and theft. It takes care of the repair or replacement costs, helping you get back on the water quickly. Whether your boat is docked or in use, this coverage helps protect you from financial loss.
Uninsured/Underinsured Boaters:
In case you're involved in an accident with a boater who doesn't have sufficient insurance, this coverage will help cover the costs. It offers a crucial financial safeguard, ensuring your boating experiences remain uninterrupted by unexpected expenses.
Medical Payments:
This coverage pays for medical costs if you or your passengers are injured in a boating accident, regardless of who is at fault. It provides financial support for necessary medical treatments.
On-Water Towing:
If your boat breaks down on the water, this coverage reimburses you for towing expenses. It ensures that you won't be stranded and helps cover the costs of getting your boat to a safe location.
Fishing Equipment:
This insurance safeguards your fishing gear from loss or damage due to accidents, weather, or theft. With this coverage, you can secure your valuable equipment and enjoy fishing with peace of mind.
Stress-Free Boating in Montana with the Ahoy! Mobile App and Insurance
Boating in Montana is more than just a pastime; it becomes a cherished part of your lifestyle, providing memorable experiences with loved ones. With Ahoy! Insurance’s mobile app, you have the convenience of managing all aspects of your boat insurance right 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 Montana
For sailing enthusiasts in Montana, Ahoy! provides insurance specifically designed to meet the unique needs of sailboat owners. Our comprehensive coverage options and excellent customer service ensure that you can enjoy your sailing adventures with confidence, knowing your vessel is well-protected.
Powerboat Insurance in Montana
Ahoy! Insurance delivers tailored protection for your powerboat, giving you peace of mind while navigating Montana's picturesque lakes and rivers. Montana's vast water bodies are perfect for powerboating, and Ahoy! ensures your boat is fully covered.
Fishing Boat Insurance in Montana
With its abundant lakes and rivers, Montana is a prime destination for fishing enthusiasts. Ahoy! Insurance offers specialized policies to safeguard your fishing boat and gear, addressing the specific needs of anglers in the region.
Cabin Cruiser Insurance in Montana
Cabin cruisers offer a luxurious way to explore Montana's waterways. Ahoy! Insurance provides extensive coverage to protect your cabin cruiser from unforeseen expenses and damages, allowing you to relax and enjoy your boating experience.
Bass Boat Insurance in Montana
Bass fishing is a popular activity in Montana’s lakes. Ahoy! Insurance offers specialized coverage to protect your bass boat and its equipment from accidents or damages, giving you peace of mind on the water.
Center Console Boat Insurance in Montana
Center console boats are valued for their versatility and practicality, especially in Montana's extensive waterways. Ahoy! Insurance provides customized coverage to protect these boats and their gear, ensuring a worry-free boating experience.
Yacht Insurance in Montana
Montana 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 Montana 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.