Ahoy! Yacht Owners!

Looking for Yacht Insurance?

Whether you're cruising along the coastline, anchoring in a secluded bay, or embarking on an ocean voyage, we have your back.

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Your yacht is more than just a boat; it’s a floating sanctuary, a destination in itself, offering unmatched luxury and adventure on the open water. Team up with Ahoy! for dependable insurance that travels with you, ensuring smooth sailing and worry-free yachting adventures and experiences. Just like the precision of your yacht’s navigation system, we’ll promptly provide you with a quote, empowering you to navigate the seas with confidence. Should there ever be a need for customer support or a claim, we will be by your side like a steadfast lighthouse, guiding you safely through any storm with unwavering reliability.

By selecting Ahoy!, you’re enhancing the safety of all your yachting adventures. At Ahoy!, we stand by your side, offering protection tailored to every yacht owner’s needs. Ahoy! and its tech-driven added value features accompany you, guaranteeing each voyage is as secure as a well-charted course.

Ahoy! Yacht Insurance

Our Ahoy! App enhances your boating experience by simplifying yacht protection. It eases the process and enriches your time on the water. With app-based virtual self-inspections, Ahoy! reduces deductibles and offers phone replacement if lost at sea.

Your yacht is a cherished asset, a source of pride, and a significant investment. It represents a lifestyle as luxurious as the amenities onboard. Experience the joy of yachting with your trusted seafaring companion.

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Let us explore the unique characteristics that set these boats apart:

Floating Luxury:

Modern yachts are designed with comfort and elegance in mind, featuring spacious cabins, fully-equipped galleys, lavish lounges, and often multiple decks for entertaining and relaxation. Some even include amenities like hot tubs, gyms, and home theaters.

Extended Range:

Yachts are built for long-distance cruising, with larger fuel capacities and more efficient engines that allow for extended time at sea. Many are capable of ocean crossings and extended coastal cruises.

Customizable:

Yachts come in various sizes and styles, from sleek motor yachts to classic sailing yachts. They can be highly customized to suit the owner's preferences, whether that's for leisurely cruising, sportfishing, or entertaining.

What Insurance Options does Ahoy! Offer for Yachts?

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:

up to 50 feet – which if it existed, might be the largest Cabin Cruiser ever seen
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 coverage for your yacht including:

Liability Insurance:

We’ve all seen the videos on social media - but whether it's a minor mishap or a major incident, having the right liability insurance for your yacht can provide the necessary protection. From potential property damage to unforeseen injuries, comprehensive coverage ensures you can navigate the waters with confidence.

Comprehensive and Collision:

Comprehensive coverage aids in covering damages not caused by collisions, like theft, vandalism, or natural disasters. Collision coverage assists in covering repair costs if your yacht collides with another vessel or object.

Uninsured/Underinsured Boaters:

This coverage helps protect you if you're involved in an accident with another boat who doesn't have sufficient insurance coverage. It also covers medical expenses for injuries sustained in a hit-and-run incident.

Medical:

Accidents can happen at any time on the water, and having medical coverage for your yacht brings peace of mind. From minor injuries to emergencies, Ahoy! Insurance offers comprehensive medical coverage options tailored to your yachting needs.

On-Water Towing:

We will pay your on-water towing bill up to the limit you choose!

Personal Belongings:

Coverage for your gear, including wetsuits, life jackets, and other yacht accessories.

With Ahoy!, you can enjoy your yacht adventures to the fullest, knowing you're protected both on and off the water.

Get worry-free boating with the Ahoy! Boat App. Insure your Yacht today!

The Ahoy! App is like having an insurance crewmate right by your side. From offering insurance assistance tailored to boaters to highlighting essential safety tips and even providing real-time weather updates to make your adventures smoother and more enjoyable, our application is designed to elevate every aspect of your Yacht experience!

Some of our mobile app features are:

Phone Replacement:

Our ‘Phone Overboard Protection’ feature – a unique feature tailored just for boaters. If your Ahoy! App is in use, and your phone goes overboard, we will replace your phone!

Get Alerted about the weather!

Our weather and alerts function keeps you updated on weather conditions where you are and sends you early warnings.

Self Inspection saves you money!

Use the app to effortlessly conduct a ‘Self Inspection’ using our app and enjoy a $100 discount on your deductible. It is all about making your boating experience as smooth and secure as possible.

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.

To learn more, visit Ahoy’s FAQ page

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.

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.

A Step by Step Guide to Yacht Insurance 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’s 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.