At Ahoy!, we are proud to be Utah’s premier boat insurance provider, specializing in recreational boat insurance designed specifically for local boat owners. Whether you have a fishing boat, powerboat, sailboat, or cabin cruiser, we offer comprehensive coverage to meet your needs.
Ahoy! Utah!
Looking for Boat Insurance in Utah?
Whether you're navigating the waters of Utah Lake or the Great Salt Lake, boating in Utah offers countless adventures for family and friends. Wherever you go, Ahoy! is your trusted partner for boat insurance in Utah.
Start your FREE quoteIs Boat Insurance Necessary in Utah?
Utah is one of the few states that requires boat insurance for certain boats. For all personal watercraft, and for all boats with more than 50 horsepower insurance is required. The minimum insurance requirements are: $25,000-$50,000 bodily injury/death – $15,000 property damage or $65,000 combined minimum per accident. With the right boat insurance, you can enjoy your time on the water with confidence and peace of mind. Protect your investment and ensure a safe boating experience by securing comprehensive coverage today.
Start a FREE Quote!
Utah Boating Insurance Made Simple
At Ahoy!, we provide customized and user-friendly boat insurance coverage specifically designed for Utah boaters. Our advanced technology streamlines the insurance process, making it hassle-free and enjoyable. As industry leaders in boat insurance innovation, we tackle modern challenges with unique solutions. For instance, our phone overboard coverage reimburses you if your phone accidentally falls into the water. .
With Ahoy!, you can confidently explore Utah’s stunning lakes and rivers, knowing you’re protected against both traditional risks and contemporary boating challenges. Trust Ahoy! for reliable and high-quality boat insurance in Utah, and experience peace of mind on the water.
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 offer customized coverage options specifically designed for boaters in Utah, which include:
Liability Coverage:
This boating insurance policy offers essential protection for boaters, covering accidents that cause injury or property damage to others. It includes coverage for repair costs, medical expenses, and legal fees, ensuring you can enjoy your boating activities with peace of mind. Additionally, this policy provides comprehensive protection for incidents that happen while your boat is docked or being transported. Safeguard your boating experience and navigate with confidence knowing you have the right coverage in place.
Comprehensive and Collision Coverage:
Protect your boat with comprehensive insurance that covers damage from accidents, weather events, and theft. This essential coverage helps you manage repair or replacement costs, ensuring you can get back on the water quickly. Whether your boat is docked or in use, having the right insurance safeguards you from financial loss and gives you peace of mind. Invest in boat insurance today to enjoy worry-free adventures on the water!
Uninsured/Underinsured Boater Protection:
If you're involved in a boating accident with an underinsured boater, having sufficient coverage is essential to cover your costs. This type of insurance provides crucial financial protection, ensuring that your boating adventures aren't disrupted by unexpected expenses. Protect yourself and enjoy peace of mind on the water with the right boat insurance policy.
Medical Payments:
This insurance coverage helps pay for medical expenses in case you or your passengers get injured in a boating accident, regardless of who is at fault. It offers essential financial support for necessary medical treatments, ensuring you receive the care you need after an accident on the water. Protect yourself and your loved ones with comprehensive boating accident insurance.
On-Water Towing:
If your boat breaks down while you’re out on the water, having reliable boat insurance coverage is crucial. This coverage reimburses towing expenses, so you won’t be stranded. It helps cover the costs of safely getting your boat back to shore, ensuring peace of mind during your boating adventures. Protect your investment and enjoy worry-free boating with comprehensive breakdown coverage.
Fishing Equipment Protection:
Protect your fishing gear with specialized insurance that covers loss or damage from accidents, weather conditions, or theft. With this insurance, you can enjoy your fishing trips with peace of mind, knowing your valuable equipment is safeguarded. Whether you're an avid angler or a weekend fisherman, having the right insurance ensures you're covered so you can focus on what you love most: fishing!
Enjoy Stress-Free Boating in Utah with the Ahoy! Mobile App and Insurance
Discover the tranquility of boating in Utah effortlessly with the Ahoy! mobile app and tailored insurance options. Boating isn’t just a hobby in Utah; it’s a beloved lifestyle that fosters unforgettable moments with family and friends. With Ahoy! Insurance’s user-friendly mobile app, you can easily manage your boat insurance directly from your smartphone, ensuring peace of mind on the water. Experience the best of boating in Utah and simplify your insurance needs today!
Check out our ‘Overboard Phone Protection’ feature. With the Ahoy! App active or running in the background, we verify if your phone has unexpectedly taken a dive. And that’s just the beginning: our ‘Weather Information and Alerts’ function keeps you updated on weather conditions, providing timely notifications. Additionally, our ‘Self Inspection’ feature allows you to assess your boat easily, rewarding you with a $100 reduction on your deductible each year. Our aim is to make your boating time as worry-free, safe, and enjoyable as possible!
Sailboat Insurance in Utah
For those who enjoy sailing in Utah, 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 Utah
Ahoy! Insurance provides customized protection for your powerboat, ensuring peace of mind while you navigate Utah's beautiful waters. Utah has many opportunities for powerboating, and Ahoy! is here to keep you covered.
Fishing Boat Insurance in Utah
Utah'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 Utah
Cabin cruisers offer a luxurious way to explore Utah'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 Utah
Bass fishing is a popular way to get out on the lakes. 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 Utah
Center console boats are highly valued for their versatility and practicality, especially in Utah'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.
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 Utah 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.