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AHOY! California!

Looking for Boat Insurance in California?

Hear that? It is the sound of the Pacific Ocean and California's lakes calling. See that? The gorgeous ocean cliffs, the majestic mountains around Lake Tahoe.

Start your FREE quote

Now you can get a super fast boat insurance quote, and be back out on the water with greater peace of mind.

We are keeping boaters safer along the endless miles of California coastline and over 1,000 miles of beautiful lakes. California dreamin’? It is no longer just a dream. The best insurance for boaters, by boaters, is already here. Wherever your boat takes you in The Golden State, Ahoy! has got you covered.

Ahoy! Makes Boat Insurance in California easier!

Whether you are putting around Lake Tahoe or fishing in Mission Bay, you can cruise easily with boat insurance from Ahoy!

Ahoy! Specializes in recreational boat insurance – in fact, it is the only thing we do! We are boat insurers who designed our product using the latest in technology to make your boating insurance process as easy as possible, and even make boating that much more fun! We have a modern take on boat insurance, even providing coverage for the most modern of all boating accidents – losing your phone in the water!

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Is Boat Insurance required in California?

While car insurance is required in California, boat insurance is not – but, that does not mean it is not a must-have. The investment in a boat is an investment in your leisure time, and you can better enjoy that leisure time with the peace of mind that comes from boat insurance that covers you in case of an accident. Ahoy! makes California boating insurance easier by providing an easy to use mobile app, and simple sign up process!

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Benefits for Boaters

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Easy to Use

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For Boaters, by Boaters

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:

  • Maximum length of 50 feet (45 feet for boats aged 30-40 years)
  • Age limit of up to 40 years with a value cap of $500,000
  • For single or dual-engine boats, a maximum of 500HP per engine, and for triple-engine vessels, a total horsepower ceiling of 1050HP (with a maximum of three engines)

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 are 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're responsible. 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. It's super handy, especially when your boat's tucked away 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 are out enjoying the waves when suddenly, another boat bumps into you. Turns out, they do not 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 contract with boat towing providers across California, and can help you get a tow back to the harbor if you are in need!


Fishing Equipment:

Should your fishing items 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.

We also offer Roadside Assistance, Boat Rental Reimbursement and coverage for your personal effects

California Boat Insurance and Worry-Free Boating with the Ahoy Mobile App!

Boating is a recreational pastime, and it should be fun! The Ahoy Mobile App is designed to help you with your insurance coverage, but also make your boating days more fun!

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’ for your boat (post insurance purchase) 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. 


Sailboat Insurance in California

Whether you’re cutting through the waves solo or sharing the experience with friends, sailboat insurance from Ahoy! Helps you to preserve the sailing lifestyle you love. Set your sails and let the wind guide you, knowing that the boat insurers at Ahoy! has your back every nautical mile of the journey.

Power Boat Insurance

Powerboat Insurance in California

Powerboats can be the best way to enjoy an inland lake or the Ocean – whether you are towing someone in a tube, or exploring a new area, tech-driven insurance from Ahoy! can help you feel secure knowing that your boat is protected.

Ahoy Bass Boat

Bass Boat Insurance in California

Glide across the glassy surface at dawn, your bass boat slicing through the stillness in pursuit of the perfect spot to cast a line and set the hook. As a boat insurance company, and ONLY boat insurance, Ahoy!’s bass boat insurance stands guard over your vessel and your treasured pastime.

Fishing Boat Insurance

Fishing Boat Insurance in California

Ahoy!’s fishing boat insurance lets you spend your time on your fishing trip thinking about fishing and not boat coverage. Spend more time picking bait, and less time thinking about insurance with Ahoy!

Cabin Cruiser Insurance

Cabin Cruiser Insurance in California

Whether you’re navigating tranquil waters alone or hosting guests aboard while in port, cabin cruiser insurance from Ahoy! is your ally in safeguarding the boating way of life you cherish. Steer your cruiser into new horizons with the confidence that Ahoy! supports you through every twist and turn of your voyage.

Insurance for a Center Console Boat

Center Console Boat Insurance in California

The versatile center console boat which is perfect for fishing or simply soaking up the sun, and demands protection that matches their its spirit. With insurance from Ahoy!, you can anchor your worries and feel secure in the knowledge that your center console boat is well-insured, freeing you to chart new territories or enjoy the thrill of the water with confidence.

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.

To learn more, visit Ahoy’s FAQ page

A Step by Step Guide to Boat Insurance in California 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’re there for you!

If there is an incident, we have 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!

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