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Looking for Boat Insurance in California?

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

We’re keeping boaters safer along the endless miles of California coastline and over 1,000 miles of beautiful lakes. California dreamin’? It’s 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!

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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’s 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!


Is Boat Insurance required in California?


While car insurance is required in California, boat insurance is not – but, that doesn’t mean it isn’t 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 Insurance Pelican Pete

Ahoy! proudly provides boat insurance coverage for a wide range of boats with the following specifications:

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

Liability Insurance for Boats


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’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.

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Comprehensive and Collision: 

Comprehensive coverage is really great for protecting your boat against things we can’t 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.

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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’s 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.

Medical Insurance for Boaters


Boat insurance isn’t just about protecting your vessel; it’s 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 Insurance for Boats

On-Water Towing:

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

Fishing Ahoy Insurance

Fishing Equipment:

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

*As a boat insurance company serving california, we know that covering a boat can do more! We also offer Roadside Assistance, and Boat Rental Reimbursement and coverage for your personal effects.


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 Coverage Overview

Whats 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.

Off-Season Boat Insurance

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: Key Factors

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.

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

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.

We are fast!

Get your boat insurance policy in under 10 minutes!

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