including hitting another boat, boating accidents, such as hitting a submerged object, dock, or another boat
Why is Boat Insurance important?
Your boat is an investment that means a lot to you. It is also a conduit to many experiences and memories with family and friends. So, knowing that your boating experience is protected is an important element beyond just the financial aspect.
A comprehensive boat insurance policy should cover:
COLLISION COVERAGE
COMPREHENSIVE COVERAGE
including theft, vandalism, fire, sunken boat, common risks, grounding, and damage on the water from weather
UNINSURED / UNDERINSURED BOATERS COVERAGE
LIABILITY COVERAGE
including third-party damages and injuries, dock, and fuel spill
MEDICAL COVERAGE
for people on your boat
PERSONAL EFFECTS
including fishing equipment (if relevant)
ON-WATER TOWING
ROADSIDE ASSISTANCE
BOAT RENTAL REIMBURSEMENT
American Sailing Members Save 5%
American Sailing members must claim their discount via the Sailors Portal.
Not a member? Join or renew today or visit Ahoy Insurance to get a quote.
It is also important to remember that boat insurance is often required by your state, your marina, and/or your boat finance company (if applicable).
Experts recommend not relying solely on your home insurance policy.
In many cases, your homeowner policy may not even cover liability protection, and damage is typically covered only under $2,000. However, your umbrella policy is a great addition to your marine policy, as it extends liability protection at an affordable rate.
We partnered with the best
When choosing a boat insurance partner, American Sailing trusts Ahoy! Insurance, founded by passionate boaters and ex-Naval Officers, for boaters by boaters.
Ahoy! Insurance customizes coverage to meet your unique boating needs, including specialty considerations like expensive fishing gear or accommodating friends aboard
Ensure your safety in any situation with the best boat insurance from Ahoy! Insurance, backed by A-rated AM Best reinsurers and a stellar reputation
The Ahoy! Insurance offering
Leveraging technology and the Ahoy! team boating expertise to provide you with the best insurance, coupled with a better and safer experience on the water.
Get a Great Insurance Quote, Fast
Receive extensive coverage at a great price from expert boaters who understand your needs, with a quick and easy online quote.
A Worry-Free Boating Experience
Enjoy our advanced tech providing you with safe navigation, weather alerts, and boat retrieval assistance features for an enjoyable and safe experience on the water.
Supporting You If Something Goes Wrong
We are there for you, online and by phone, so your claim process is quick and easy, supported by our team and mobile app.
American Sailing Members Save 5%
American Sailing members must claim their discount via the Sailors Portal.
Not a member? Join or renew today or visit Ahoy Insurance to get a quote.
How does the Ahoy! offering work?
In four simple steps, you can insure your boat, get unique benefits, and connect to our mobile app to benefit from multiple features that will help you stay safe on the water.
1
2
3
4
Get a Quote & Pay
Leveraging our seamless sign-up process, get the most modern-minded, tech-driven boating insurance policy out there in just under 10 minutes.
All Aboard
Now that you are a mate, download our mobile app, easily scan photos of your boat for lower claim deductibles and help in case of theft.
Cast Off
Sail away into the horizon. Feel fully at peace knowing that our technology-powered mobile app is looking out for you.
Just in Case
If there’s an incident, we’ve 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.
