At Ahoy! we understand the unique needs of boat owners and offer customized coverage options to fit your specific needs. Our team of experienced agents are here to guide you through the insurance process and ensure that your boat is properly protected.
Need Boat Insurance in Ohio?
Ohio Top Choice for Boat Insurance
Whether you're on Lake Erie, Alum Creek, the Ohio River, or any of Ohio's boating spots, boat insurance protects your vessel and covers injuries or damages on the water.
Start your FREE quoteDo You Need Boat Insurance in Ohio?
In Ohio, boating is a popular pastime and with that comes the potential for accidents and mishaps. While it may not be a requirement to have boat insurance in Ohio, it’s highly recommended for any responsible boat owner. Having boat insurance can give you peace of mind knowing that you are financially protected in case of an accident, theft, or damage to your vessel.
Let Ahoy! Insurance guides you through the vast sea of boat insurance options in Ohio, steering you towards a policy that lets you enjoy your water adventures worry-free.
Start a FREE Quote!
Ohio Boating Insurance Simplified
Navigating the world of boat insurance can be complex and confusing, but at Ahoy! we make it simple. Our agents will work closely with you to explain coverage and ensure that you understand exactly what your policy covers. We also offer customizable policies to fit your specific boating needs and budget.
What Types of Boat Insurance Are Available in Ohio?
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:
- Maximum length of 50 feet (45 feet for boats aged 30-40 years)
- Age limit of up to 40 years with a value cap of $500,000
- For single or dual-engine boats, a maximum of 500HP per engine, and for triple-engine vessels, a total horsepower ceiling of 1050HP (with a maximum of three engines)
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 Customized Coverage Options for Ohio Boaters Include:
Liability Coverage:
Imagine you are boating and you have protection from legal liabilities for injuries or damages caused to others while out on the water. In the event of an accident or mishap, this coverage helps manage costs related to medical expenses, property damage, and legal fees, giving you peace of mind during your aquatic adventures.
Comprehensive and Collision:
In Ohio, this coverage safeguards your boat against damages from natural disasters, theft, collisions, and other unforeseen events. It can also cover repair or replacement costs for incidents included in the policy.
Uninsured/Underinsured Boater Protection:
If you are in a boating accident and the other party is at fault but does not have insurance or enough coverage to cover expenses, this protection can cover your medical costs, lost wages, and any property damage.
Medical Payments:
This coverage helps pay for medical expenses if you or your passengers are injured during a boating accident, regardless of who is at fault.
On-Water Towing:
Nothing can ruin a day on the water like being stranded without assistance. This coverage helps cover towing expenses if your boat becomes disabled while out on the water.
Fishing Equipment:
This coverage helps protect your valuable equipment from damage or loss. Whether you're an avid angler or just enjoy fishing as a hobby, this coverage can give you peace of mind while out on the water.
Stress-Free Boating in Ohio with the Ahoy! Mobile App and Boat Insurance
At Ahoy!, we understand that boating is all about enjoying the freedom and relaxation on the water. That’s why we offer a user-friendly mobile app that allows you to manage your insurance anytime, anywhere. From viewing policy details to making payments, our app makes boat insurance stress-free.
Let us talk about our ‘Phone Overboard Protection’ feature which can replace your phone if it falls in the water. When your Ahoy! App is active or running in the background, we are like your nautical detective, and we can confirm has fallen overboard. And there is more to discover: our ‘Weather Information and Alerts’ feature keeps you in the know about weather conditions and sends you early alerts. Plus, with our ‘Self Inspection’ tool, you can breeze through a self-check and earn a fantastic $100 discount on your deductible. It is all about ensuring your boating journey is as smooth, secure, and enjoyable as possible!
Sailboat Insurance in Ohio:
Whether you enjoy leisurely cruises or competitive races on the open water, our customizable sailboat insurance options can protect you against any unforeseen incidents. With coverage for sails, rigging, and equipment specific to your sailboat type, Ahoy! has got you covered.
Powerboat Insurance in Ohio:
From speedboats to pontoons and everything in between, we offer comprehensive insurance options for all types of powerboats. Our customizable policies allow you to choose the coverage that best fits your unique boating lifestyle.
Fishing Boat Insurance in Ohio:
As avid fishers ourselves, we understand the importance of protecting your fishing boat and equipment. With specialized coverage for fishing gear and potential loss of income due to a boating accident, our policies are designed specifically for the needs of Ohio anglers.
Cabin Cruiser Insurance in Ohio:
Cruising on a cabin cruiser is a unique boating experience, and it deserves specialized insurance coverage. Our policies can protect your vessel against unexpected damages and provide liability coverage for any accidents that may occur while cruising.
Ohio Bass Boat Insurance:
Bass fishing is a popular pastime in Ohio, and our specialized bass boat insurance can help protect your vessel and equipment while you're out on the water. With coverage for fishing gear, liability protection, and more, we've got you covered so you can focus on reeling in that big catch.
Center Console Boat Insurance in Ohio:
Whether you're cruising, fishing, or just enjoying a day out on the water, our customizable center console boat insurance offers coverage for any unexpected incidents. With options for equipment coverage and liability protection, you can have peace of mind while boating in Ohio.
Yacht Insurance in Ohio
With access to the great lakes, rivers and even the St. Laurence seaway, many Ohioans have yachts. From damage repair to liability protection, Ahoy! understands the intricacies of yacht ownership. Set sail knowing that your investment is protected with Ahoy!'s yacht insurance, allowing you to focus on the horizon ahead with peace of mind.
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 Ohio 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.