At Ahoy!, we are dedicated to offering boat insurance solutions specifically crafted for New Mexico’s diverse boating community. We provide coverage options that cater to various types of vessels, including fishing boats, powerboats, sailboats, and cabin cruisers. Our primary goal is to ensure your boat is protected by a policy that reflects your specific needs, combined with customer service that exceeds expectations.
Ahoy! New Mexico!
Looking for Boat Insurance in New Mexico?
Sail the vast Elephant Butte Lake or drift through Ute Reservoir, boating in New Mexico offers relaxation and adventure. Wherever you roam, Ahoy! is here with the boat insurance you need.
Start your FREE quoteIs Boat Insurance Required in New Mexico?
Even though New Mexico does not require boat insurance by law, securing coverage is a wise decision for any boater. Unexpected accidents on the water can lead to costly repairs or liabilities, making insurance an important safeguard. Many marinas and docking facilities in New Mexico may require proof of insurance, and if your boat is financed, your lender will likely insist on coverage. By choosing the right insurance, you ensure that your time on New Mexico’s waters remains stress-free and enjoyable.
Start a FREE Quote!
New Mexico Boating Insurance Made Simple
Ahoy! is committed to simplifying the insurance process for New Mexico boaters. We leverage cutting-edge technology to offer insurance plans that are both easy to understand and tailored to your individual needs. Our policies are designed to cover everything from routine risks to unexpected challenges, such as losing your phone overboard. With Ahoy!, you’re free to explore the waters of New Mexico with the assurance that your boat is comprehensively protected. Trust Ahoy! to deliver top-quality boat insurance that fits perfectly with your New Mexico lifestyle.
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 Mexico boaters includes:
Liability:
This policy is essential for protecting you in the event that an accident you cause leads to injury or property damage to others. It covers the costs associated with repairs, medical bills, and legal fees, ensuring that you can enjoy your boating activities with peace of mind. Additionally, this coverage extends to incidents that occur while your boat is docked or being transported, offering comprehensive protection across all situations.
Comprehensive and Collision:
With this insurance, your boat is protected against a range of risks, including accidents, severe weather, and theft. It covers the costs of repairs or replacements, allowing you to get back on the water as quickly as possible. Whether your boat is in use or safely docked, this coverage is crucial for protecting against unexpected financial losses.
Uninsured/Underinsured Boaters:
If you find yourself in an accident with a boater who lacks sufficient insurance, this coverage ensures that you’re not left with the bill. It provides a vital safety net, helping to cover the costs that the other party's insurance should have covered, keeping your boating experiences free from financial strain.
Medical:
This coverage is designed to take care of medical expenses if you or your passengers are injured in a boating accident, regardless of who is at fault. It provides the financial support necessary for medical treatments, ensuring that your health and the health of your passengers are well taken care of.
On-Water Towing:
If your boat experiences a mechanical failure while out 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 safe location and giving you peace of mind during your boating adventures.
Fishing Equipment:
This insurance protects your fishing gear from loss or damage due to accidents, bad weather, or theft. With this coverage, your valuable equipment is secure, allowing you to focus on enjoying your fishing trips without worrying about potential losses.
Stress-Free Boating in New Mexico with the Ahoy! Mobile App and Insurance
Boating in New Mexico 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 manage every aspect of your boat insurance from your smartphone, making it easier than ever to enjoy your time on the water.
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 Mexico
For those who love sailing in New Mexico, Ahoy! offers insurance specifically crafted to meet the unique needs of sailboat owners. With our wide-ranging coverage options and exceptional customer support, you can embark on your sailing adventures with the confidence that your vessel is well-protected in New Mexico's diverse waters.
Powerboat Insurance in New Mexico
Ahoy! Insurance provides tailored protection for your powerboat, offering peace of mind as you explore New Mexico's scenic lakes and reservoirs. Whether you're speeding across Conchas Lake or cruising on Navajo Lake, Ahoy! ensures your powerboat is fully covered, allowing you to enjoy the ride without worry.
Fishing Boat Insurance in New Mexico
New Mexico's rich variety of lakes and rivers makes it a fantastic destination for fishing enthusiasts. Ahoy! Insurance delivers specialized policies to protect your fishing boat and gear, addressing the specific needs of anglers throughout the state. With Ahoy!, your equipment is secure, letting you focus on the catch.
Cabin Cruiser Insurance in New Mexico
Cruising New Mexico’s waterways in a cabin cruiser offers a luxurious and relaxing experience. Ahoy! Insurance provides comprehensive coverage to protect your cabin cruiser from unexpected costs and damages, so you can unwind and enjoy the journey without any concerns.
Bass Boat Insurance in New Mexico
Bass fishing is a favorite activity in New Mexico’s plentiful lakes. Ahoy! Insurance offers specialized coverage that protects your bass boat and its equipment from accidents or damages, ensuring that you can fish with complete peace of mind.
Center Console Boat Insurance in New Mexico
Center console boats are highly valued for their versatility and practicality in New Mexico's diverse aquatic environments. Ahoy! Insurance provides customized coverage to protect these boats and their gear, ensuring you have a hassle-free boating experience whether you're fishing, cruising, or exploring.
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 Mexico 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.