At Ahoy!, we specialize in providing insurance exclusively for recreational boats. We understand the unique needs of Texas boaters and offer customized coverage for a wide range of vessels, including fishing boats, powerboats, sailboats, and cabin cruisers. From Lake Travis to the Gulf of Mexico our goal is to provide exceptional service and competitive rates, ensuring your boat is protected from all potential risks.
Ahoy! Texas!
Looking for Boat Insurance in Texas?
From inland lakes and rivers with bass boats or pontoons to the Gulf of Mexico's coastal waters, Texas offers endless boating opportunities for all types.
Start your FREE quoteIs Boat Insurance Necessary in Texas?
While boat insurance is not legally mandated in Texas, it is highly recommended. Watercraft accidents can result in significant expenses, and insurance can help mitigate these costs. Many marinas and docking facilities in Texas require proof of insurance to grant access. Additionally, if your boat is financed, lenders typically require insurance coverage for the duration of the loan to protect their investment.
Start a FREE Quote!
Simplified Boating Insurance in Texas
At Ahoy!, we simplify boat insurance for Texas residents by using technology to create personalized coverage plans. Our policies address modern boating challenges and ensure comprehensive protection. For instance, our coverage includes reimbursement if your phone accidentally goes overboard. Explore Texas’ waterways with confidence, knowing that Ahoy! has you covered against a broad range of risks. Choose Ahoy! for the best boat insurance in Texas.
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:
- 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 firstmate@ahoy.insure
Our Tailor-made Coverage Options for Texas Boaters Includes:
Liability Coverage
Liability insurance is vital if you are deemed responsible for a boating accident. This policy covers expenses related to damages and injuries to others, including repair costs, medical bills, and legal fees. It ensures you can enjoy your time on the water without financial worries, providing coverage for incidents whether your boat is docked or in transit.
Comprehensive and Collision Coverage
Protect your boat against a wide range of risks, including accidents, adverse weather, and theft, with comprehensive and collision coverage. This insurance takes care of repair or replacement costs, helping you get back on the water quickly. Whether your boat is in use or stored, this coverage offers financial security and peace of mind.
Uninsured/Underinsured Boater Coverage
Accidents involving boaters who lack sufficient insurance can lead to significant expenses. This coverage steps in to pay for costs that the at-fault party cannot cover, providing essential financial protection. It ensures that your boating activities remain enjoyable and free from unexpected financial burdens.
Medical Payments Coverage
Medical payments insurance handles medical expenses for you and your passengers in case of a boating accident, regardless of fault. It provides financial support for necessary medical treatments, allowing you to focus on recovery without the added stress of medical bills.
On-Water Towing Coverage
If your boat breaks down on the water, this coverage reimburses you for towing expenses. It ensures you won’t be left stranded and covers the cost of getting your boat to safety, offering reassurance in unexpected situations.
Fishing Equipment Coverage
Protect your fishing gear from loss or damage due to accidents, weather, or theft with this insurance. It ensures your valuable equipment is covered, allowing you to enjoy your fishing trips without worry.
Convenient Boating in Texas with the Ahoy! Mobile App and Insurance
To make the insurance process as easy as possible, we created the Ahoy! mobile app to save you time and improve your boating experience! The Ahoy! Mobile App is your trusty companion, not only for insurance but also for elevating your boating days into unforgettable experiences!
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!
Coverage for Sailboats in Texas
For sailing enthusiasts in Texas, Ahoy! offers personalized insurance coverage tailored to the needs of sailboat owners. Our comprehensive policies ensure your vessel is fully protected, allowing you to enjoy Texas' coastal waters and lakes with complete peace of mind.
Powerboat Insurance in Texas
Ahoy! Insurance provides specialized protection for powerboats, safeguarding your investment as you explore Texas’ diverse waterways. Our custom plans offer extensive security for worry-free boating experiences.
Fishing Boat Insurance in Texas
Texas is a top destination for fishing, with numerous lakes and coastal areas perfect for anglers. Ahoy! Insurance offers targeted coverage for fishing boats, ensuring your vessel and equipment are protected so you can focus on your fishing adventures without any concerns.
Cabin Cruiser Insurance in Texas
Experience the luxury of cruising Texas’ waters with peace of mind. Ahoy! Insurance provides complete coverage options for cabin cruisers, protecting against unexpected damages and expenses, so you can relax and enjoy your time on the water.
Bass Boat Insurance in Texas
Bass fishing is a favorite pastime in Texas' many lakes. Ahoy! Insurance offers specialized policies that protect your bass boat and its gear from accidents and damages, allowing you to fish confidently and with peace of mind.
Center Console Boat Insurance in Texas
Center console boats are popular for their versatility on Texas’ waterways. Ahoy! Insurance provides custom coverage to protect these boats and their equipment, ensuring you can enjoy your boating adventures without any worries.
Yacht Insurance in Texas
Texas’ large lakes and coastal areas are ideal for yachting. Ahoy! offers comprehensive insurance solutions for yacht owners, covering everything from repairs to liability. Navigate with confidence, knowing your yacht is fully protected with Ahoy!'s superior insurance coverage.
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 Texas 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.