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Looking for Boat Insurance in Maryland?

Ahoy! Maryland!

Whether you are cruising the Chesapeake Bay, fishing in Deep Creek Lake, or taking in the scenic beauty of the Potomac River, securing the right boat insurance in Maryland is essential for worry-free boating

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Ahoy! Is the Top Choice for Boating Insurance in Maryland

At Ahoy! we specialize in recreational boat insurance – in fact, it is the only thing we do! We understand the unique needs of all boat owners in Maryland and provide comprehensive boat insurance coverage for all types of boats – from small fishing boats and power boats, to sailboats, large cabin cruisers & more! We are proud to be the top choice for boating insurance in MD, offering affordable rates and unparalleled customer service. With Ahoy!, you can rest assured that your vessel is fully protected from any potential risks.

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Is Boat Insurance Required in Maryland?

While it is not a legal requirement to have boat insurance in Maryland, it is highly recommended for all boat owners. Accidents can happen on the water, and without proper coverage, you could be held liable for any damages or injuries that occur. It is also worth noting that if you plan to use your boat on public waterways like the Chesapeake Bay or Potomac River, you may be required to carry liability insurance by the marinas or boat rental companies.

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Boat Insurance Coverage Made Easy

At Ahoy!, we make it easy to find the right boat insurance coverage in Maryland. We provide a range of coverage options designed to protect your vessel from physical damage, liability, and theft. Our comprehensive policies also encompass coverage for medical payments, personal property, and emergency services. Leveraging our expertise in the boating industry and in-depth knowledge of Maryland’s waterways, our experienced boat insurance agents will work with you to understand your specific needs and budget, and provide you with a personalized policy that fits your requirements.

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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 Coverage Options Include:


Liability Coverage:

This type of coverage protects you in case you are found liable for damages or injuries caused by your boat to someone else's property or person. It can cover expenses such as medical bills, legal fees, and repair costs, ensuring you are not financially burdened by an unfortunate incident. This peace of mind allows you to enjoy your boating experience without unnecessary worry.


Comprehensive and Collision:

his coverage protects your boat from physical damage due to accidents, natural disasters, and other hazards such as fire, theft, or vandalism. It ensures that you are covered whether your boat is in the water, on the trailer, or in storage. Additionally, it can also cover any damages caused by uninsured or underinsured boaters, giving you peace of mind knowing that you won't have to bear the financial burden if an incident occurs with a boater who lacks sufficient insurance.


Uninsured/Underinsured Boater Protection:

This coverage protects you if you are involved in an accident with a boater who does not have enough insurance to cover the damages. It can also cover hit-and-run situations where the other party cannot be identified, ensuring that your boat and passengers are protected. Additionally, it provides peace of mind knowing that in the event of an unfortunate incident, you will not be left bearing the financial burden alone. Whether it is property damage or medical expenses for your passengers, this coverage ensures comprehensive protection on the water.



This coverage provides protection for medical expenses in the event of an accident, regardless of who was at fault. It can cover expenses such as hospital bills, doctor's visits, and ambulance fees for you and your passengers. With this coverage, you can rest assured that any necessary medical care will be taken care of without putting a strain on your finances.


Boat Towing Services:

Partnering with Maryland's leading boat towing experts, we are ready to help if you ever need a tow back to shore. Your safety is our top priority, and we are committed to ensuring you always return safely to land.


Fishing Equipment:

Imagine if your beloved fishing gear takes an unexpected dip or disappears while you are out on your boat. No worries, we got you covered! We will completely replace your fishing equipment, with a generous limit of up to $10,000, so you can keep on reeling in those big catThis optional coverage safeguards your fishing gear against damage, loss, or theft. Enjoy peace of mind on the water, knowing your valuable equipment is protected. We offer full reimbursement for your fishing gear, with coverage up to $10,000, ensuring your fishing adventures continue smoothly.

Additionally, we offer Roadside Assistance, Boat Rental Reimbursement, and coverage for personal effects, ensuring a comprehensive safety net that lets you sail with ease and enjoyment.

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

The Ahoy! mobile app puts the power of boat insurance in your hands. With our easy-to-use app, you can access your policy details, make payments, and request assistance with just a few taps on your phone. Whether you are on land or out on the water, our app ensures that managing your boat insurance is hassle-free and convenient.

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 boating time as worry free, safe, and delightful as possible!

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Sailboat Insurance in Maryland

Here at Ahoy!, we understand that sailboats require specialized insurance coverage. That is why we offer comprehensive policies specifically tailored to cover the unique needs of sailboat owners in Maryland. Our experienced team will work with you to customize a policy that meets your specific requirements, taking into consideration factors such as boat size and value.


Powerboat Insurance in Maryland

For powerboat owners in Maryland, Ahoy! offers customizable insurance coverage to protect your investment. Our team of experts will work with you to understand your needs and create a policy that provides comprehensive coverage for your specific boat and usage.


Fishing Boat Insurance in Maryland

Fishing (and crabbing!) is a popular activity in Maryland, and Ahoy! understands the importance of protecting your fishing boat. Our customizable insurance policies provide coverage for both personal use and commercial purposes. We also offer specialized coverage for fishing equipment, ensuring that your valuable gear is protected while you are out on the water.


Cabin Cruiser Insurance in Maryland

For those who own a cabin cruiser in Maryland, Ahoy! has you covered with our customizable insurance options. Our policies can be tailored to meet the unique needs of your cabin cruiser, providing comprehensive coverage for both personal use and commercial purposes.


Bass Boat Insurance in Maryland

Bass boats are a popular choice for fishing enthusiasts in Maryland. At Ahoy!, we offer customizable insurance policies specifically designed for bass boats, ensuring that your investment is protected from accidents and other hazards while out on the water.


Center Console Boat Insurance in Maryland

Center console boats are a common sight on Maryland's waterways, and Ahoy! offers specialized insurance coverage for these versatile vessels. Our policies can be customized to meet the unique needs of your center console boat.


Yacht Insurance in Maryland

The Chesapeake bay and access to the Ocean make Maryland a prime spot for yacht ownership. 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.

Maryland 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 Maryland 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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