With access to the Atlantic Coast, and inland lakes like Lake Hopactong and Lake Mohawk, the Garden State offers numerous boating opportunities. Ahoy! offers reliable, tailored boat insurance for New Jersey’s unique waters.
Start your FREE quoteAt Ahoy!, we’re committed to offering specialized boat insurance that meets the unique needs of New Jersey’s boating community. Our coverage options are designed with a focus on a variety of vessels, including fishing boats, powerboats, sailboats, and cabin cruisers. With a strong emphasis on delivering exceptional protection and customer care, our goal is to ensure that your boat remains secure, allowing you to enjoy your time on the water.
While not legally required, boat insurance is a smart investment for any New Jersey boater. The unpredictable nature of water activities means accidents or damages can result in significant costs, making insurance essential. Many marinas and yacht clubs in New Jersey require boaters to have insurance before using their facilities. Additionally, if your boat is financed, your lender will likely insist on insurance coverage for the duration of the loan.
Having the right insurance allows you to navigate New Jersey’s waters with confidence, knowing you’re protected from unforeseen expenses.
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At Ahoy!, we’ve streamlined the process of obtaining boat insurance, making it easier than ever for New Jersey boaters. Our use of advanced technology ensures that you receive tailored coverage that meets your specific needs. We go beyond traditional insurance by offering features like reimbursement for phone overboard incidents, giving you peace of mind in today’s boating environment.
With Ahoy!, you’re equipped to enjoy New Jersey’s diverse waterways, secure in the knowledge that both common and modern risks are covered. Trust Ahoy! to deliver the best boat insurance for New Jersey.
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:
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
This policy ensures you’re protected if an accident you cause results in injury or property damage to others. It covers costs associated with repairs, medical expenses, and legal fees, giving you peace of mind as you enjoy your time on the water. Additionally, this coverage applies to incidents that occur while your boat is docked or in transit, offering comprehensive protection in various situations.
This coverage safeguards your boat from damages resulting from accidents, severe weather, or theft. It covers the costs for repairs or replacements, ensuring you can return to the water as quickly as possible. Whether your boat is in use or docked, this coverage is essential for protecting you from unexpected financial burdens.
If you’re involved in an accident with a boater who lacks adequate insurance, this coverage steps in to cover the associated costs. It provides an essential financial safety net, ensuring your boating activities aren’t disrupted by unforeseen expenses.
This policy covers medical expenses if you or your passengers are injured in a boating accident, regardless of who is at fault. It offers crucial financial support for necessary medical treatments, helping you prioritize health and safety on the water.
If your boat breaks down while on the water, this coverage reimburses you for towing expenses. It ensures you won’t be left stranded, covering the costs of getting your boat to a secure location without the stress of unexpected expenses.
This insurance protects your valuable fishing gear from loss or damage due to accidents, adverse weather conditions, or theft. With this coverage, you can focus on enjoying your fishing trips, knowing your equipment is well-protected.
Boating in New Jersey is more than just a recreational activity; it’s a way of life that creates lasting memories. With the Ahoy! Insurance mobile app, managing your boat insurance is effortless. The app allows you to handle all aspects of your coverage directly from your smartphone, adding convenience to your boating lifestyle.
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!
For those who love to sail along the Jersey Shore or on the state's picturesque lakes, Ahoy! offers insurance specifically tailored to the unique needs of sailboat owners. Our comprehensive coverage options, paired with exceptional customer service, ensure that you can embark on your sailing adventures with the confidence that your vessel is fully protected.
Ahoy! Insurance provides specialized protection for your powerboat, giving you peace of mind as you navigate New Jersey's diverse waterways, from the bustling Atlantic coast to serene inland rivers. With Ahoy!, your powerboat is fully covered, so you can focus on enjoying the ride without any worries.
New Jersey’s rivers, lakes, and coastal waters make it a prime destination for fishing enthusiasts. Ahoy! Insurance offers tailored policies to protect your fishing boat and equipment, addressing the specific needs of anglers in the Garden State. With Ahoy!, your fishing gear is secure, allowing you to concentrate on the catch of the day.
Exploring New Jersey’s waterways in a cabin cruiser combines luxury with adventure. Ahoy! Insurance provides extensive coverage to protect your cabin cruiser from unexpected costs and damages, letting you relax and enjoy your boating experiences without concerns.
Bass fishing is a popular activity in New Jersey’s numerous lakes and reservoirs. Ahoy! Insurance delivers specialized coverage to protect your bass boat and its equipment from potential accidents or damages, ensuring you can fish with peace of mind.
Center console boats are prized for their versatility and are especially useful in New Jersey's varied aquatic environments. Ahoy! Insurance offers customized coverage designed to protect these boats and their gear, allowing you to enjoy a seamless boating experience, whether you're fishing offshore or cruising along the coastline.
New Jersey’s coastal and inland waters are perfect for yachting adventures. Ahoy! offers comprehensive insurance solutions that cover all aspects of yacht ownership, from repair costs to liability protection. With Ahoy!, you can navigate New Jersey's waters with confidence, knowing that your yacht is well-covered by our specialized insurance policies.
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.
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.
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.
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.
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.r
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
Leveraging our seamless sign-up process, get the most modern-minded, tech-driven boating insurance policy out there in just under 10 minutes.
Now 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.
Sail away into the horizon. Feel fully at peace knowing that our technology-powered mobile app is looking out for you.
If 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.
