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Looking for Bass Boat Insurance?

Ahoy! Boat Owners

Dawn, and the start of a fishing day. Imagine the sun just breaking the horizon, your boat dancing lightly on the morning mist of the water, making good time to your favorite spot. Your Bass Boat.

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It is not just a boat, it is your ticket to adventure and a key part of your fishing equipment. At Ahoy!, we are spun from the same fishing line as you, and we are dedicated to keeping the good times on a steady troll with top-notch insurance for your bass boat. Faster than a trophy catch hitting your topwater lure, we’ll give you a quote, so you can zip across your favorite fishing spots with confidence.

At Ahoy! we are in the boat with you, crafting coverage that knows the ins and outs of every bass angler’s needs. From the thrill of that tug on the line to the calm of casting in the shallows, Ahoy!’s coverage travels with you, ensuring every trip is as secure as a well-tied knot. With us, you are casting a wider net of security over all your bass boat journeys across the US. 

Ahoy! Bass Boat Insurance

Your bass boat is more than just a vessel; it is a cherished member of your fishing team, a source of pride, and a substantial investment. It is not just about owning a boat; it is about a lifestyle that’s as priceless as the memories you create on the water.

Ahoy! makes the process of protecting your bass boat easier and makes your boating better with our Ahoy! mobile app. Ahoy! even reduces your deductible through our app based virtual self inspection wizard, and can even replace your phone if it is lost overboard!

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What is a Bass Boat?

Picture yourself gearing up for an exciting day (or perhaps an entire weekend) fishing for Largemouth, Pike, or any other fish out on the water. A bass boat is designed to be the ideal boat for inland lakes and fishing. It’s not just a boat; it’s your gateway to an unforgettable fishing experience. Let’s delve into what makes these boats truly special:


Fisherman's Haven:

Step aboard and you'll find a well-designed space equipped with all the essentials. From comfy seating that allows you to cast and see the water, a flat deck to help you move around, and plenty of room to store your catch!


Tailored for shallows:

Bass Boats are designed with flatter hulls to go into the shallows, have trolling motors, live wells, and typically range from around 16 to 24 feet in length, offering a variety of options to suit your specific needs.


Power and Precision:

These boats are usually equipped with potent outboard motors, providing the strength needed to explore vast waters while ensuring a smooth and enjoyable ride.


Versatile Styles:

From classic designs to ultra-modern aesthetics, bass boats come in a diverse range of styles and levels of luxury. There's a perfect choice to match your personal taste and preferences.

In summary, bass boats seamlessly blend the comforts of home with the excitement of being out on the water. It's not just a dream; it's a reality waiting for you to explore!

What Insurance Options Does Ahoy! Offer for Bass Boats?

As a company focused on providing boat insurance for recreational boaters, Bass Boats are in our sweet spot. For boats with the following specifications Ahoy! proudly provides boat insurance coverage through our website

  • up to 50 feet – which if it existed, might be the largest Bass Boat 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 over between 50 to 95 feet and/or between $500,000 and $2,500,000.

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For starting a quote for these please contact us by phone (1-855-289-2469),
chat www.ahoy.insure, or e-mail [email protected]

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We provide a comprehensive suite of boater-tailored coverage including:



Imagine you're out on the water and accidentally cause damage to another boat, or worse, someone gets hurt. Liability insurance is there to protect you in such situations. It covers the costs of damage or injuries you are responsible for. While we all hope to never be in such a scenario, having liability insurance is a smart move and helps keep your boating experience worry-free.


Comprehensive and Collision:

Comprehensive coverage is really great for protecting your boat against things we can not control, like fires, theft, or even a bit of mischief. Comprehensive coverage is great for when your boat is in storage and you can't keep an eye on it all the time. Also, if your boat ever bumps into something like another boat, a buoy, or even a dock, collision coverage has got your back.


Uninsured/Underinsured Boaters:

Insurance for uninsured boaters is like a safety net on the water! Imagine this: you're out enjoying the waves when suddenly, another boat bumps into you. Turns out, they don't have enough insurance to cover the damage. That is where underinsured boater insurance comes in! It helps cover the costs for your boat's repairs and any medical bills if needed. It's like having an extra layer of peace of mind, so you can focus on the fun part – sailing! Stay safe and secure out there on the big blue with underinsured boater insurance.



Boat insurance is not just about protecting your vessel; it is also about ensuring the safety of everyone on board. Medical coverage is a crucial component of a comprehensive boat insurance policy. It provides financial protection in case someone on your boat gets injured.


On-Water Towing:

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


Fishing Equipment:

Should your fishing need to be replaced due to a boat accident or go missing rest assured, you are covered. We will fully reimburse you for the replacement of these items, with a generous limit of up to $10,000.

Bass Boat Insurance and worry-free boating with the Ahoy! Boat App

A bass boat is made to help you have a great day of fishing whether you are navigating to new fishing spots, exploring local waters, anchoring in your favorite cove, or simply enjoying a day on the water. Just like your bass boat, the Ahoy! app is your companion on your next fishing expedition. Our app not only assists you with insurance coverage but also prioritizes safety and adds more fun to your days of angling adventure!

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 effortlessly to 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.

Stolen Boat Recovery Assistance!

Upon enrolling with Ahoy! we will mail you a welcome kit containing a boat recovery assistance tag. The assistance tag, together with the self-scan images will be instrumental in instructing the authorities assisting with the search for your boat in case it was stolen.

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 Bass Boat Insurance with Ahoy!

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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.

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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.

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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.

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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.

We are fast!

Get your boat insurance policy in under 10 minutes!

Get a Quote!