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Looking for Boat Insurance in Connecticut?

Ahoy! Connecticut!

Whether you are setting out for Long Island Sound, or cruising one of the many inland lakes, securing the right boat insurance in Connecticut is essential for worry-free boating.

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At Ahoy! we specialize in recreational boat insurance – in fact, it’s the only thing we do! We understand the importance of protecting your watercraft, which is why we provide comprehensive boat insurance packages tailored to your individual needs. From small fishing boats and sailboats, to large cabin cruisers, accidents can happen and without proper insurance, you could be left with costly damages.

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 Connecticut?

While boat insurance is not mandatory for all boats in Connecticut, certain circumstances may require you to have coverage. For example, if your boat is financed through a lender or marina, they may require you to have insurance. Additionally, if you plan on docking your boat at a Connecticut state-owned marina, you will need to provide proof of insurance. We recommend checking with your local marina or lender to determine their specific insurance requirements.

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Boat Insurance Coverage Made Easy

Navigating the world of boat insurance can be daunting, but our team at Ahoy! Insurance is here to make it easy for you. We offer a variety of coverage options that can protect your vessel from physical damage, liability, and theft. Our comprehensive policies also include coverage for medical payments, personal property, and emergency services. With our expertise in the boating industry and knowledge of Connecticut’s waterways, we can help you customize a policy that fits your unique needs. Whether you have a small fishing boat or a luxury yacht, our team is dedicated to finding the best coverage at an affordable price.

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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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Our tailor-made boat insurance coverage options include:



Envision a tranquil day on the lake suddenly disrupted by an unexpected incident like a collision or injury with another boat. Liability insurance acts as your safeguard, covering costs for damages or injuries you may unintentionally cause, ensuring a stress-free boating experience. Choosing liability coverage prepares you to navigate with confidence, ready to handle life's unforeseen events.


Comprehensive and Collision:

Imagine a serene sailing experience abruptly interrupted by storm damage or hidden underwater hazards. Comprehensive and collision insurance steps in to cover repairs or replacements. Comprehensive insurance protects against non-collision incidents such as theft, fire, or weather damage, while collision insurance covers accidents involving other boats or stationary objects. These coverages provide the assurance necessary to fully enjoy your boating adventures, knowing you are safeguarded against unforeseen events.


Uninsured/Underinsured Boaters:

While on the water, you may encounter an uninsured or underinsured boater, resulting in an accident for which you are not at fault. This insurance serves as a safeguard in such scenarios, covering expenses that the responsible party cannot. It adds a crucial layer of financial security, ensuring your boating adventures remain free from unforeseen costs.


Medical Payments:

This coverage provides a financial safety net for you and your passengers, addressing medical expenses from accidents, regardless of who is at fault. It is a crucial component of your insurance, ensuring that unforeseen injuries do not overshadow your passion for boating.


On-Water Towing:

This coverage provides a financial safety net for you and your passengers, addressing medical expenses from accidents, regardless of who is at fault. It is a crucial component of your insurance, ensuring that unforeseen injuries do not overshadow your passion for boating. Your safety is our top priority, and we are dedicated to offering exceptional support to guarantee your secure arrival back on land.


Fishing Equipment:

In the event your fishing gear accidentally falls overboard, rest assured we offer comprehensive reimbursement for your equipment, with coverage up to $10,000. This ensures your fishing adventures can proceed seamlessly and without interruption.

Furthermore, we provide Roadside Assistance, Boat Rental Reimbursement, and coverage for personal effects. Our comprehensive safety net ensures you can sail with confidence and peace of mind.

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

At Ahoy!, we are dedicated to making boat insurance as easy and convenient as possible for our clients. Our mobile app allows you to manage your policy, make payments, and access important documents right from your phone. Additionally, in the event of an accident or claim, you can easily file a report through the app.

Dive into our ‘Overboard Phone Protection’ feature. With the Ahoy! App operational or idling in the background, we act as your maritime investigator, verifying if your phone has unexpectedly taken a plunge. But that is just the tip of the iceberg: our ‘Weather Information and Alerts’ function keeps you abreast of meteorological conditions, providing timely notifications to keep you ahead of the weather. Furthermore, our ‘self inspection’ feature allows you to conduct self assessment of your boat effortlessly, rewarding you with an enticing $100 reduction on your deductible each year. Our goal is to make your nautical escapades as seamless, safe, and delightful as possible!

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Sailboat Insurance in Connecticut

Connecticut is a hub for sailing enthusiasts, with its beautiful coastline and numerous lakes and rivers. At Ahoy!, we understand the unique needs of sailboat owners and offer specific coverage options tailored to their vessels. We provide coverage for both recreational and competitive sailboats, ensuring that you can navigate the waters with confidence.


Powerboat Insurance in Connecticut

Powerboats are a favorite among Connecticut boaters, thanks to their high speeds and versatility on the water. At Ahoy!, we provide tailored coverage options for powerboats, including policies for high-performance models. Our expert team is ready to meet all your insurance needs, so you can enjoy your adventures on the water worry-free. Dive into the fun and leave the risks to us!


Fishing Boat Insurance in Connecticut

Fishing is a popular pastime in Connecticut, and we understand the importance of protecting your fishing boat. With our comprehensive coverage options, you can relax and focus on reeling in that big catch without worrying about potential accidents or damages to your boat. Our team at Ahoy! has extensive experience insuring various types of fishing boats, providing tailored coverage solutions for all your fishing adventures.


Cabin Cruiser Insurance in Connecticut

Cabin cruisers are a popular choice for those looking to spend extended periods of time on the water, offering both comfort and convenience. At Ahoy!, we understand the unique insurance needs of cabin cruiser owners and offer customized coverage options to protect your vessel and its contents. With our comprehensive policies, you can relax and enjoy your time onboard without worrying about potential risks.


Bass Boat Insurance in Connecticut

Bass boats are designed specifically for fishing, with features such as live wells and casting platforms. At Ahoy!, we provide specialized coverage for bass boats to protect against potential accidents or damages while out on the water. Our team understands the unique needs of bass boat owners and can tailor coverage options to ensure that you have peace of mind during your fishing trips.


Center Console Boat Insurance in Connecticut

Center console boats have become a favorite among boaters in Connecticut, thanks to their unmatched versatility and practicality. At Ahoy!, we understand the unique needs of center console boat owners. That is why we crafted comprehensive coverage options just for you, so you can set sail with peace of mind, knowing that every adventure is protected. Dive into the excitement and freedom that comes with owning a center console boat, and let us handle the rest!


Yacht Insurance in Connecticut

In Connecticut, access to the ocean and Long Island Sound means that many boat owners have Yachts and larger boats. From damage repair to liability protection, Ahoy! understands the intricacies of yacht ownership. Set sail knowing that your investment is protected with Ahoy!'s yacht insurance, allowing you to focus on the horizon ahead with peace of mind.

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 other’ 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 Boat Insurance in Connecticut 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 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.

We are fast!

Get your boat insurance policy in under 10 minutes!

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