Ahoy! offers comprehensive boat insurance coverage for all types of vessels, from sailboats to yachts. We understand that boating is an important part of life in Washington and we are dedicated to protecting your vessel and providing peace of mind while you’re out on the water.
Ahoy! Washington!
Looking for Boat Insurance in Washington?
Whether you're exploring Lake Washington, the Puget Sound or the Columbia River, boating is part of the culture in the state of Washington, and Ahoy! Is your partner in Boat insurance.
Start your FREE quoteIs Boat Insurance Required in Washington?
Although boat insurance is not mandated in Washington, it is strongly advisable to safeguard yourself and your watercraft against unforeseen accidents or damages. Like car insurance, incidents can occur on the water, and coverage can prevent expensive repairs or legal fees. Additionally, certain marinas and waterways may require a minimum level of liability insurance for docking. Don’t take unnecessary risks—invest in boat insurance to enjoy a worry-free experience on Washington’s waters.
Start a FREE Quote!
Washington Boating Insurance Made Simple
At Ahoy!, we understand that insurance can be complex and confusing, which is why we strive to make the process as simple and straightforward as possible. With our easy-to-use online quote tool, you can receive a personalized quote in just minutes.
Our knowledgeable agents are also available to answer any questions and guide you through the process of selecting the right coverage for your specific 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
Our customized coverage options for boaters in Washington include:
Liability Coverage:
Having adequate insurance coverage for your boat is crucial as it protects you from legal and financial liabilities in the event of accidents. If you accidentally cause property damage or bodily injury to others while operating your boat, this coverage will help safeguard you from the potentially overwhelming costs associated with legal claims, medical expenses, and repairs. It ensures peace of mind while you enjoy your time on the water, allowing you to focus on the experience rather than worrying about unforeseen incidents.
Comprehensive and Collision Coverage:
With this coverage, you can enjoy peace of mind knowing that you're protected against unexpected events that could lead to significant financial burdens. This insurance protects your boat by covering repair or replacement costs if it sustains damage in a covered accident, such as hitting an object like a buoy or a rock, running aground, or colliding with another boat.
Uninsured/Underinsured Boater Protection:
To enjoy your boating adventures in Washington without the stress of unexpected expenses, secure proper insurance for boat accidents. This essential coverage provides vital financial protection, helping to cover your costs if you're in an accident with a boater who has insufficient insurance. Navigate potential financial challenges with peace of mind on the water.
Medical Payments:
When accidents occur on the water, medical costs can escalate quickly. Having boat insurance with medical payments coverage ensures that necessary medical expenses for you and your passengers are covered in the event of a boating accident, no matter who is at fault.
On-Water Towing:
Our comprehensive boat insurance policies ensure you’re never left stranded, providing coverage for emergency on-water towing and assistance. Whether you run out of fuel or your boat breaks down, our protection helps you return safely to shore without the added financial stress.
Fishing Equipment Protection:
Our policies offer essential protection for your valuable fishing gear, ensuring that you can continue enjoying your favorite pastime without the worry of expensive replacements. Whether your equipment is lost, damaged, or stolen while you’re on the water, fishing enthusiasts who love spending time on their boats can rely on our coverage.
Discover Relaxed Boating in Washington with Insurance and the Ahoy! Mobile App
Make the most of your Washington boating experience with the user-friendly Ahoy! mobile app, which provides comprehensive boat insurance coverage. Boating in Washington is more than just a pastime; it’s a cherished lifestyle that fosters unforgettable memories with family and friends. With the Ahoy! Insurance app, you can effortlessly manage all aspects of your boat insurance right from your smartphone. Enjoy peace of mind on the water and embark on your seamless and stress-free boating adventure 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 Washington
For those who enjoy sailing in Washington, 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 Washington
Ahoy! Insurance provides customized protection for your powerboat, ensuring peace of mind while you navigate Washington's beautiful waters. Washington has many opportunities for powerboating, and Ahoy! is here to keep you covered.
Fishing Boat Insurance in Washington
Washington'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 Washington
Cabin cruisers offer a luxurious way to explore Washington's waterways. Ahoy! Insurance offers comprehensive policies to protect your cabin cruiser from unexpected expenses and damages, ensuring a worry-free boating experience.
Insurance for Bass Boat Insurance in Arkansas
Bass fishing is a beloved pastime in Arkansas, and with Ahoy! Insurance's tailored coverage options, you can safeguard your bass boat and equipment against accidents or damages. Hit the water with the assurance that our comprehensive insurance has you fully covered.
Center Console Boat Insurance in Washington
Center console boats are highly valued for their versatility and practicality, especially in Washington'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 Washington
Washington’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 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.