Ahoy! Virginia!

Looking for Boat Insurance in Virginia?

Whether you are setting out for Long Island Sound, or cruising one of the many inland lakes, securing the right boat insurance in Connecticut is essential for worry-free boating.

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Discover the thrill of boating in Virginia, whether you’re on the scenic Chesapeake Bay or the beautiful James River. Wherever you go, Ahoy! is your trusted partner for boat insurance

Ahoy! is Virginia’s top choice for boat insurance, offering comprehensive coverage for all types of watercraft. Whether you own a motorboat, sailboat, personal watercraft, or canoe, we have the perfect insurance policy to meet your needs. Our boat insurance is crafted to protect your investment and ensure peace of mind while you enjoy your time on the water. Trust Ahoy! for reliable boat insurance in Virginia and keep your adventures safe and secure.

Is Boat Insurance Necessary in Virginia?

While boat insurance is not required by law in Virginia, protecting yourself and your watercraft from unforeseen accidents or damages is highly recommended. Just like with car insurance, you never know when an accident may happen on the water, so having coverage can save you from costly repairs. Additionally, some marinas and waterways may require minimum liability insurance before allowing you to dock your boat. Don’t take any chances – invest in boat insurance for a worry-free boating experience in Virginia.

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Virginia Boating Insurance Made Simple

Ahoy! delivers boat insurance specifically designed for Virginia boaters, making coverage simple and effective through cutting-edge technology. As leaders in the industry, we tackle modern challenges with unique features like our phone overboard coverage, which reimburses you if your phone accidentally falls into the water. With Ahoy!, you can confidently explore Virginia’s beautiful lakes and rivers, knowing you’re protected against traditional risks as well as today’s unique boating challenges.

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 boat insurance coverage options include:

Liability Coverage:

Protects you from legal and financial responsibility in case of accidents that cause property damage or bodily injury to others while operating your boat.

Comprehensive and Collision Coverage:

This insurance covers the repair or replacement costs for your boat if it sustains damage in a covered accident. This includes incidents such as collisions with another boat, running aground, or hitting an object like a buoy or a rock. By having this coverage, you can enjoy peace of mind knowing that you're protected against unexpected events that could otherwise lead to a significant financial burden.

Uninsured/Underinsured Boater Protection:

If you're in an accident with a boater who has insufficient insurance, the right coverage can help cover your costs. This essential insurance offers vital financial protection, letting you enjoy your boating adventures without the stress of unexpected expenses. Secure the proper insurance for boat accidents to ensure peace of mind on the water and navigate potential financial challenges.

Medical Payments:

Accidents can occur on the water, and when they do, medical costs can escalate rapidly. Boat insurance with medical payments coverage ensures that necessary medical expenses for you or your passengers are covered in the event of a boating accident, no matter who is at fault.

On-Water Towing:

Our boat insurance policies provide coverage for emergency on-water towing and assistance, ensuring you’re never left stranded. Whether your boat experiences a breakdown or runs out of fuel, our comprehensive protection helps you return safely to shore without the added financial stress.

Fishing Equipment:

For fishing enthusiasts who love spending time on their boats, our policies provide essential protection for your valuable fishing gear. Whether your equipment is lost, damaged, or stolen while you’re on the water, our coverage ensures you can continue enjoying your favorite pastime without the stress of expensive replacements.

Furthermore, we provide Roadside Assistance, Boat Rental Reimbursement, and coverage for personal effects. Our comprehensive safety net ensures you can sail with confidence and peace of mind.

Experience Relaxed Boating in Virginia with the Ahoy! Mobile App and Insurance

Experience a seamless and stress-free boating adventure in Virginia with the Ahoy! mobile app, complemented by comprehensive boat insurance coverage. Boating in Virginia isn’t just a pastime; it’s a cherished lifestyle that creates unforgettable memories with family and friends. The Ahoy! Insurance app allows you to easily manage all aspects of your boat insurance right from your smartphone. Enjoy peace of mind on the water and make the most of your Virginia boating experience with our user-friendly app and reliable insurance options. Start your journey today!

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 Virginia

For those who enjoy sailing in Virginia, 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 Virginia

Ahoy! Insurance provides customized protection for your powerboat, ensuring peace of mind while you navigate Virginia's beautiful waters. Virginia has many opportunities for powerboating, and Ahoy! is here to keep you covered.

Fishing Boat Insurance in Virginia

Virginia'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 Virginia

Cabin cruisers offer a luxurious way to explore Virginia'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 Virginia

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 Virginia

Center console boats are highly valued for their versatility and practicality, especially in Virginia'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 Virginia

Virginia’s larger lakes are ideal for yachting adventures. 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 Virginia with Ahoy!

Step 1:

Get a quote and Pay

Leveraging 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 app

Now 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 you

If 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.