No matter where your aquatic adventures lead, Ahoy! is here to provide you with the comprehensive boat insurance you need for New Hampshire’s unique waters. At Ahoy!, we’re dedicated to offering boat insurance that fits the specific needs of New Hampshire boat owners. We focus exclusively on insurance for recreational boaters, providing a range of policies for fishing boats, powerboats, sailboats, cabin cruisers, and more. Our mission is to deliver exceptional protection and customer care, ensuring that your boat is always ready for the waters, no matter the type of vessel you own.
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Looking For Boat Insurance in New Hampshire?
Whether you're charting a course across Majestic Lake Winnipesaukee or setting sail on the Atlantic Coast, New Hampshire is full of memorable experiences.
Start your FREE quoteIs Boat Insurance Necessary in New Hampshire?
While New Hampshire doesn’t mandate boat insurance, it’s a wise investment for any boater. The unpredictable nature of watercraft activities means that accidents or damages can bring about hefty expenses. Additionally, many marinas and clubs across New Hampshire require proof of insurance for docking privileges. If you’ve financed your boat, lenders will generally insist on insurance coverage. By securing the right policy, you safeguard your investment and ensure a worry-free boating experience.
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New Hampshire Boating Insurance Made Simple
Ahoy! is committed to making the process of securing boat insurance as smooth and straightforward as possible for New Hampshire residents. Utilizing the latest in technology, we offer tailored policies that are both comprehensive and easy to manage. From standard coverage options to innovative perks like reimbursement for lost phones overboard, we’ve got you covered. With Ahoy!, you can explore New Hampshire’s scenic waterways with confidence, knowing that both traditional and modern boating risks are addressed. Trust Ahoy! to provide you with top-tier boat insurance in New Hampshire.
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 New Hampshire boaters includes:
Liability:
This essential policy protects you in the event you’re responsible for an accident that causes injury or property damage to others. It covers repair costs, medical bills, and legal expenses, giving you the freedom to enjoy your boating activities without worry. This coverage also extends to incidents that occur while your boat is docked or being transported, ensuring comprehensive protection.
Comprehensive and Collision:
This coverage safeguards your boat against damage from various sources, including accidents, weather events, and theft. It covers the costs of repairs or replacement, ensuring you can return to the water swiftly. Whether your boat is in use or docked, this policy helps shield you from significant financial losses.
Uninsured/Underinsured Boaters:
If you find yourself in an accident with a boater who lacks adequate insurance, this coverage steps in to handle the costs. It serves as a critical financial safety net, allowing you to continue enjoying your boating adventures without unexpected financial burdens.
Medical:
This coverage takes care of medical expenses if you or your passengers are injured in a boating accident, regardless of fault. It provides necessary financial support for medical treatments, ensuring that your health and safety are prioritized.
On-Water Towing:
Should your boat experience mechanical issues while on the water, this coverage reimburses you for towing expenses. It guarantees that you won’t be left stranded and helps cover the costs of transporting your boat to a safe location.
Fishing Equipment:
This policy protects your valuable fishing gear from loss or damage due to accidents, weather, or theft. With this coverage, you can rest easy knowing your equipment is secure, allowing you to focus on enjoying your time fishing in New Hampshire's waters.
Enjoy Stress-Free Boating in New Hampshire with the Ahoy! Mobile App and Insurance
Boating in New Hampshire is more than just a hobby; it’s a way to create lasting memories with family and friends. With the Ahoy! Insurance mobile app, you can easily manage every aspect of your boat insurance from your smartphone, making your boating experience even more convenient and stress-free.
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 New Hampshire
For those who love to sail New Hampshire’s scenic lakes and rivers, Ahoy! offers insurance tailored specifically for sailboat owners. Our comprehensive coverage options and dedicated customer service provide the assurance you need to enjoy your sailing adventures fully, knowing that your vessel is safeguarded against potential risks.
Powerboat Insurance in New Hampshire
Ahoy! Insurance provides specialized protection for your powerboat, giving you peace of mind as you navigate New Hampshire's beautiful waterways. Whether you’re cruising on Lake Winnipesaukee or along the Merrimack River, our insurance ensures that your powerboat is fully covered, allowing you to focus on enjoying your time on the water.
Fishing Boat Insurance in New Hampshire
New Hampshire’s abundant lakes and rivers make it a prime spot for fishing enthusiasts. Ahoy! Insurance offers tailored policies to protect your fishing boat and equipment, ensuring that you’re covered against any accidents or damages specific to your angling needs in the region.
Cabin Cruiser Insurance in New Hampshire
Exploring New Hampshire’s waters in a cabin cruiser offers a unique blend of comfort and adventure. Ahoy! Insurance provides extensive coverage designed to protect your cabin cruiser from unexpected expenses and damages, allowing you to unwind and enjoy your journey with complete peace of mind.
Bass Boat Insurance in New Hampshire
Bass fishing is a favorite pastime in New Hampshire’s lakes. Ahoy! Insurance delivers specialized coverage that protects your bass boat and gear from accidents or damage, giving you the confidence to pursue your fishing adventures without worrying about potential setbacks.
Center Console Boat Insurance in New Hampshire
Center console boats are highly valued for their versatility on New Hampshire’s diverse waterways. Ahoy! Insurance offers customized coverage to protect these boats and their equipment, ensuring you can enjoy a hassle-free boating experience, whether you're fishing, cruising, or exploring.
Yacht Insurance in New Hampshire
New Hampshire’s expansive lakes and access to the ocean makes the state home to many yacht owners. Ahoy! provides comprehensive insurance solutions that cover every aspect of yacht ownership, from damage repairs to liability protection. Navigate New Hampshire's waters with confidence, knowing your yacht is well-protected by Ahoy!'s specialized insurance.
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 New Hampshire 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.