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Searching for Boat Insurance in Illinois?

Ahoy! Illinois!

If you own a boat in Illinois, ensure it is properly insured. The state boasts beautiful waters like Lake Michigan and the Mississippi River. Boat insurance not only protects your vessel from damage or loss but also provides liability coverage for accidents on the water.

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Boating is fun and our goal is to ensure that your boat is covered, and that the boating insurance process is quick and easy. At Ahoy!, boat insurance is our primary focus, guaranteeing a superior understanding of Illinois boaters’ needs. If you are going to set sail from the many harbors of Chicago, or any of the other 2,500 lakes and rivers in Illinois, Ahoy! has your back!

Is Boat Insurance required in Illinois?

NO! Boat insurance is not required in Illinois – that does not mean it is not a good idea though. For example, if you are taking out a loan to buy your boat, your lender could ask you to get insurance to protect your investment. Also, some marinas and certain spots on the water most probably ask for proof of insurance before they let you dock or set sail from their facilities.

Even though it is not a must-have by law, getting boat insurance is a pretty smart move. It can cover you for damage to your boat! So, for peace of mind while enjoying those great days on the water, Ahoy! can help!

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Ahoy! Makes Illinois Boat Insurance easier!

We created Ahoy! with the sole purpose of making boating insurance easier for boaters. Our innovative technology is crafted to streamline your boating journey, enhancing your moments on the water. As a boat owner, the last thing you want is to spend hours dealing with insurance paperwork. With Ahoy!, you can spend more time enjoying your boat and less time worrying about insurance.

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



Imagine cruising smoothly on your favorite lake when the unexpected strikes – perhaps an accident-causing harm to another vessel or, in a worst-case scenario, someone getting injured. That is where liability protection comes in as your trusted ally. It is designed to cover the expenses for any damage or injuries for which you may be accountable. With liability coverage, you can spend your boating days worrying about your tan, and not your coverage!


Comprehensive and Collision:

Think of comprehensive protection as an umbrella that covers a wide range of damages, from natural disasters to theft. Collision insurance, on the other hand, focuses solely on damage caused by collisions with other vessels or objects in the water. Together, these two types of coverage provide complete protection for your Illinois boat against various incidents.


Uninsured/Underinsured Boaters:

Despite the recommendations, some boat owners may choose not to have insurance or may only have minimal coverage. In the event of an accident with an uninsured or underinsured boater, Ahoy! has you covered with this type of coverage. It can help cover any expenses that the other party would typically be responsible for if they had proper insurance.



Boat insurance in Illinois goes above safeguarding the boat to secure the well-being of passengers. Comprehensive medical coverage within a boat insurance plan is vital, providing a financial safety net. Should an accident occur on board, this feature ensures protection for all, enabling worry-free enjoyment of your time on the water.


On-Water Towing:

We have teamed up with boat towing experts in Illinois who are 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 have got your back, ensuring you can always make it safely back to dry land!


Fishing Equipment:

Protect your favorite fishing tools with us! We offer coverage up to $10,000 to fully reimburse your fishing gear, ensuring you can keep landing those impressive catches hassle-free.

We offer Roadside Assistance, Compensation for Boat Rentals, and coverage for your personal items.

Ahoy! Mobile App: Cruise Illinois Waters with Confidence and Ease!

To make the insurance process as easy as possible, we created the Ahoy! mobile app to save you time and improve your boating experience! 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 which can replace your phone if it falls in the water. When your Ahoy! App is active or running in the background, we are like your nautical detective, and we can confirm has fallen overboard. 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 and earn a fantastic $100 discount on your deductible. It is all about ensuring your boating journey is as smooth, secure, and enjoyable as possible!
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Coverage for Sailboats in Illinois

Lake Michigan is a haven for sailboats in Illinois and the Midwest. Whether you are an experienced sailor plotting your next Chicago to Mackinac race, or just learning the ropes, our comprehensive boat insurance plans can provide protection for your vessel and passengers. With coverage options designed specifically for sailboats, you can trust Ahoy! to safeguard your adventures on the water.


Powerboat Insurance in Illinois

Ahoy! also offers coverage for powerboats of all sizes and engine types in Illinois. Our comprehensive plans can provide protection for your vessel, passengers, equipment, and more. Trust Ahoy! to enhance your boating experiences on Illinois waters with our tailored boat insurance solutions.


Fishing Boat Insurance in Illinois

Embrace worry-free fishing adventures in Illinois with our specialized boat insurance. Dedicate your time to choosing the perfect bait, leaving insurance concerns behind. Whether you are trying to pull Salmon out of lake Michigan, or perch out of a smaller lake, discover the joys of fishing while we take care of your boat's protection!


Cabin Cruiser Insurance in Illinois

Exploring the Illinois coast on a cabin cruiser? Ahoy! has got you covered. Our customized insurance plans for cabin cruisers ensure complete protection so you can relax and enjoy your time on the water. With features like roadside assistance, compensation for boat rentals, and coverage for personal items, we have got everything you need to make your boating experience stress-free.


Bass Boat Insurance in Illinois

Your bass boat glides smoothly through the tranquil waters in pursuit of the perfect fishing spot. Ahoy! offers bass boat insurance as a reliable protector for your vessel and your endeavors to reel in a big catch!


Center Console Boat Insurance in Illinois

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 Illinois

With the expanses of Lake Michigan nearby, and the Mightly Mississippi on the western border, many Illinois residents own Yachts. 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 Illinois 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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