At Ahoy!, we focus exclusively on recreational boat insurance – in fact, all we do is boat insurance. As boat owners ourselves, we’ve designed our boat insurance to fit the needs of owners including fishing boats, powerboats, sailboats, yachts and cabin cruisers. We are proud to be the top choice for boating insurance in Rhode Island, offering affordable rates and unparalleled customer service. With Ahoy!, you can trust that your boat is fully protected, ensuring a worry-free boating experience.
Ahoy! Rhode Island!
Looking for Boat Insurance in Rhode Island?
Whether you are setting out for Newport or heading down the Long Island Sound, or even further destinations, securing the right boat insurance in Rhode Island is essential for worry-free boating.
Start your FREE quoteIs Boat Insurance required in Rhode Island?
While boat insurance is not legally required in Rhode Island, it is strongly recommended for several compelling reasons. Firstly, any responsible sailor understands that boating inherently involves risks, and accidents can occur unexpectedly. The right insurance coverage safeguards you against unforeseen expenses, including damages to your boat or other vessels, injuries to passengers, and even environmental pollution liability.
Additionally, boat insurance offers peace of mind by ensuring financial protection in case of an accident or unexpected event. With our comprehensive policies, you can fully enjoy your time on the water without the worry of potential financial burdens.
Start a FREE Quote!
Simplified Boating Insurance in Rhode Island
We understand that navigating through various insurance options can be overwhelming and time-consuming. That’s why we offer simplified boat insurance in Rhode Island to make the process easier for you. Our team of knowledgeable agents will guide you through the coverage options, answer any questions you may have, and provide a personalized recommendation based on your unique needs.
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
We provide a comprehensive suite of boater-tailored coverage including:
Liability Coverage:
If you are involved in an accident that causes damage to another person's property or results in injuries, liability coverage can help cover the costs. This type of insurance is designed to protect you financially by covering expenses such as medical bills, repair costs, and legal fees that might arise from the incident. Having sufficient liability coverage ensures that you are not personally responsible for these potentially significant expenses, providing peace of mind in stressful situations.
Comprehensive Protection and Collision Insurance:
In case of accidents, storms, or other unexpected events that cause damage to your boat, comprehensive and collision coverage can help cover the costs of repairs or replacement. This type of insurance is essential for protecting your investment and ensuring that you can get back on the water as soon as possible.
Uninsured/Underinsured Boater Protection:
Just like with car insurance, uninsured/underinsured boater coverage can help protect you in case of an accident involving a boat that is not adequately insured. This type of insurance can cover medical expenses and damages to your boat if the other party is at fault but does not have sufficient insurance coverage.
Medical Payments:
Boat insurance can also include coverage for medical payments in case of injuries sustained by you or your passengers while on the water. This type of insurance can be crucial, especially if you do not have health insurance that covers injuries sustained during boating activities.
On-Water Towing:
Being stranded on the water can be stressful and potentially dangerous. That's why some boat insurance policies offer coverage for emergency towing services in case your boat breaks down or runs aground.
Fishing Equipment:
If you are an avid fisherman, you may want to consider adding coverage for your fishing equipment in your boat insurance policy. This type of coverage can help protect your expensive rods, reels, and other gear in case of loss or damage.
Experience Stress-Free Boating in Rhode Island with the Ahoy! Mobile App and Boat Insurance:
At Ahoy!, we are constantly striving to make boating insurance as convenient and stress-free as possible. That’s why we offer a user-friendly mobile app that allows you to manage your policy, file claims, and access important information at your fingertips. With our app, you can have peace of mind knowing that you always have easy access to your boat insurance coverage details
Additionally, with our customizable policies and helpful agents, you can rest assured that you have the right coverage for your specific needs and risks. We understand the importance of protecting your investment and ensuring a worry-free boating experience in beautiful Rhode Island waters.
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 Insights and Warnings’ function keeps you abreast of meteorological conditions, providing timely notifications to keep you ahead of the weather. Furthermore, our ‘DIY 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 nautical escapades as seamless, safe, and delightful as possible!
Sailboat Insurance in Rhode Island
For those who enjoy sailing in Rhode Island, Ahoy! offers insurance specifically designed to meet the needs of sailboat owners. Our detailed coverage plans and exceptional customer service ensure that you can sail confidently, knowing your boat is fully protected.
Powerboat Insurance in Rhode Island
Ahoy! Insurance provides customized protection for your powerboat, ensuring peace of mind while you navigate Rhode Island's beautiful waters. With a plethora of lakes and rivers, Rhode Island is a prime spot for powerboating, and Ahoy! is here to keep you covered.
Fishing Boat Insurance in Rhode Island
Rhode Island's numerous lakes and rivers make it a top destination for anglers. Protect your fishing boat and gear with Ahoy! Insurance’s specialized coverage, tailored to the unique needs of fishing enthusiasts in the state
Cabin Cruiser Insurance in Rhode Island
Cabin cruisers offer a luxurious way to explore Rhode Island's waterways. Ahoy! Insurance offers comprehensive policies to protect your cabin cruiser from unexpected expenses and damages, ensuring a worry-free boating experience.
Bass Boat Insurance in Rhode Island
Bass fishing is a popular activity in Rhode Island. Ahoy! Insurance provides specialized policies to protect your bass boat and equipment from accidents or damages, giving you peace of mind as you enjoy your fishing trips.
Center Console Boat Insurance in Rhode Island
Center console boats are highly valued for their versatility and practicality, especially in Rhode Island's extensive waterways. Ahoy! Insurance offers tailored coverage to safeguard these boats and their gear, allowing you to enjoy your time on the water without worrying about unexpected costs or damages.
Yacht Insurance in Rhode Island
Rhode Island’s access to the Atlantic Ocean and the Eastern Seaboard makes it an ideal place for a yacht (and a stroll through any of Rhode Island harbor will confirm that there are many yachts) . Ahoy! offers comprehensive insurance solutions to cover the complexities of yacht ownership, from damage repairs to liability issues. Navigate with confidence, knowing your yacht is well-protected with Ahoy!'s insurance, allowing you to focus on the enjoyment of your journey.
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 Rhode Island 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 have 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.