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Looking for Boat Insurance in Georgia?

Ahoy!, Georgia Mariners!

For all your Georgia boating insurance needs, rely on Ahoy! Insurance as your trusted partner. Safeguard your boating adventures across the Peach State with boat insurance coverage made for boaters, by boaters.

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Georgia has many different types of boating options, including lakes, rivers, and Oceans. . .  from cruising Lake Lanier’s scenic waters to exploring the historic Savannah River or basking in the coastal beauty of Tybee Island, having proper boat insurance is crucial. Specializing in recreational boat insurance, Ahoy! Insurance is here to ensure you sail with peace of mind in Georgia.

Is Boat Insurance Required in Georgia?

No, Boat insurance is not required in Georgia, but, It is crucial to have adequate coverage to safeguard your investment and sail worry-free, even though boat insurance isn’t legally mandated in Georgia. At Ahoy!, we are dedicated to assisting boaters in effortlessly acquiring the required coverage. Our goal is to enrich your boating adventures by providing a user-friendly mobile app and signup process, empowering you to navigate Georgia’s waters with confidence.

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Ahoy! Makes Boat Insurance in Georgia easier!

Sailing through Georgia’s scenic waters brings tranquility and peace, especially with boat insurance from Ahoy! to back you up. Specializing in recreational boat insurance, Ahoy! ensures worry-free journeys along the diverse waterways of Georgia. Our state-of-the-art insurance services are designed to simplify the process, making your boat insurance experience in the Peach State exceptional. Whether you are exploring Lake Allatoona, the Chattahoochee River, or the coastal marshes, Ahoy! stands ready to assist you.

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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:

  • 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 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 a perfect day on the water suddenly interrupted by an unexpected mishap—maybe a collision with another boat or someone getting injured. This is where liability boat insurance becomes invaluable. It covers costs for damages or injuries you might cause, ensuring your boating adventures stay carefree. Opting for liability insurance means sailing with confidence, prepared for the unpredictable.


Comprehensive and Collision:

Envision enjoying the tranquility of open waters when suddenly, your boat suffers damage from a storm or a submerged object. Comprehensive and collision boat insurance steps in to cover the repair or replacement costs. Comprehensive insurance protects against non-collision incidents like weather damage, theft, or fire, while collision insurance covers damages from accidents with other boats or objects. Together, they ensure your peace of mind, allowing you to focus on the joy of boating, secure in the knowledge that you are well-protected against the unforeseen.


Uninsured/Underinsured Boaters:

While cruising the waters, you might encounter an uninsured or underinsured boater, leading to an accident where you're not at fault. Uninsured/underinsured boat insurance is your safeguard in such scenarios, covering costs that the responsible party cannot. It is an extra layer of security that ensures you are not left adrift with unexpected expenses, preserving your boating pleasure without financial worries.



Medical payments boat insurance acts as a financial safeguard, covering medical expenses for you and your passengers in the event of an accident, regardless of who is at fault. This coverage is crucial for handling unforeseen injuries, ensuring that medical bills do not disrupt your boating experience.


On-Water Towing:

We have teamed up with boat towing experts in Georgia ready to lend a helping hand when you find yourself in need of a tow back to the shore. Your safety on the water is our top priority, and we've got your back, ensuring you can always make it safely back to dry land!


Fishing Equipment:

If your fishing gear goes overboard, We will fully reimburse your fishing gear, offering coverage up to $10,000, ensuring you can continue landing those impressive catches seamlessly.

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

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

Boating is not just a hobby; it is a lifestyle! The Ahoy! Mobile App is your trusty companion, not only for insurance but also for elevating your boating days into unforgettable experiences! Let us talk about our ‘Phone Overboard Protection’ feature. When your Ahoy! App is active or running in the background, we are like your nautical detective, confirming if your phone has taken an unscheduled dip. And there is more to discover: our ‘Weather Information and Alerts’ feature keeps you in the know about weather conditions and sends you early alerts. Plus, with our ‘Self Inspection’ tool, you can breeze through a self-check of your boat and earn a fantastic $100 discount on your deductible each year. It’s all about ensuring your boating journey is as smooth, secure, and enjoyable as possible!
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Ahoy! Providing Protection for All Boat Types in Georgia


Sailboat Insurance in Georgia

Ahoy! protects your sailboat and allows you to spend your time thinking about the winds, the sails, yacht rock on the radio. Hoist those sails and let the wind be your guide, secure in the knowledge that Ahoy! is there to support you through every nautical adventure.


Powerboat Insurance in Georgia

Powerboats are most commonly found on Georgia’s coast and larger lakes. Whether you are exploring the coast, towing a thrill-seeker on a tube or venturing into a hidden alcove, Ahoy!'s tech-savvy insurance ensures your boat's protection, giving you peace of mind and a worry-free voyage ahead.


Fishing Boat Insurance in Georgia

Ahoy!'s fishing boat insurance allows you to focus on your passion for fishing during your trips, instead of worrying about boat coverage. Spend those precious moments selecting the perfect bait and less time pondering insurance details, thanks to Ahoy!


Cabin Cruiser Insurance in Georgia

A cabin cruiser allows you more space, more comfort and overnight trips., Ahoy!'s cabin cruiser insurance helps you to spend the hours on your cabin cruiser worry free. Drive off the sunlit skies in your Cabin Cruiser knowing that Ahoy! has got your back every step of the way on your journey.


Bass Boat Insurance in Georgia

Ahoy!'s bass boat insurance acts as your steadfast guardian for both your vessel and your attempts to reel in a big one. Not only do we cover your boat, but, we can cover your fishing gear too!


Center Console Boat Insurance in Georgia

Center Console boats are becoming more and more popular as users love the flexibility of these open cabin craft. Ahoy! covers you and your center console boat so that you can enjoy the sun and waves!


Yacht Insurance in Georgia

Georgia’s ocean access and larger lakes means that many boaters choose yachts, and they can be a great way to take advantage of sunshine and blue waters. 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 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 Boat Insurance in Georgia 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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