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Looking for Boat Insurance in Michigan?

Ahoy! Michigan!

Feel that breeze? It is the inviting whisper of Michigan's Great Lakes and the unspoiled charm of our state's waterways. Immerse yourself in the tranquil panoramas of Lake Michigan's coast or the serene magnetism of Lake Superior.

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With Ahoy! getting a boat insurance quote is fast and easy to do, letting you spend more time on your boat!

We are committed to helping boaters find the right insurance for them so that they can enjoy Michigan’s more than 3,000 miles of breathtaking lakeshores. At Ahoy! all we do is boat insurance, so we know what Michigan boaters need. No matter where your boat charters its course in the Great Lakes State, rest assured, Ahoy! stands by your side

Is Boat Insurance Required in Michigan?

While car insurance is a must in Michigan, there is no law requiring you to protect your boat with insurance in Michigan. Owning a boat is an investment in your leisure, and protecting that investment with boat insurance ensures you can fully enjoy your time on the water with peace of mind. Ahoy! Insurance is here to simplify your boat insurance journey in Michigan, offering a user-friendly mobile app and a straightforward signup process to make your boating experiences even more enjoyable!

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Ahoy! Makes Boat Insurance in Michigan easier!

Imagine the peace of mind that Boat insurance provides you as you boat around Lake Michigan or cast a line at one of your favorite spots at any of Michigan’s 11,000 inland lakes.

At Ahoy! we are all about recreational boat insurance – it is our one and only focus! Our insurance product is crafted using the latest technology to simplify your boating insurance experience and make your time on the water better! We have got a fresh approach to boat insurance, even offering coverage for the most contemporary of nautical misadventures – dropping your phone in the water!

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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:



Picture yourself cruising on the water, and an unexpected mishap occurs, like accidentally damaging another boat or, even worse, someone getting injured. That's where liability insurance steps in as your trusted ally. It is designed to shoulder the expenses for damages or injuries you might be responsible for. While none of us wish for such situations, having liability insurance is a wise decision, ensuring your boating adventures remain carefree and enjoyable.


Comprehensive and Collision:

Think of comprehensive coverage as your boat's guardian against unexpected mishaps beyond your control – be it fires, theft, or even a playful prankster. It is like having a trusty sidekick, especially when your boat's snug in storage and you can not keep a constant watch. And if your boat ever has an accidental encounter with another vessel, a buoy, or even a dock, collision coverage steps up as your loyal protector.


Uninsured/Underinsured Boaters:

Uninsured boater insurance is your safety blanket on the water – think of it as your trusty life jacket! Picture this: you are out there, riding the waves, and suddenly, another boat collides with yours. Surprise, surprise, they do not have enough insurance to cover the damage. That is where underinsured boater insurance swoops in to save the day! It is your guardian angel, helping with your boat's repairs and any medical bills if needed. It is that extra layer of reassurance, allowing you to focus on the best part – your sailing adventures! Sail away with confidence and peace of mind, knowing you are covered on the big blue with underinsured boater insurance.



Boat insurance goes beyond safeguarding your watercraft; it is about guaranteeing the well-being of everyone aboard. Within a comprehensive boat insurance plan, medical coverage plays a pivotal role. It acts as a financial safety net, ensuring that if an injury occurs on your vessel, you're all covered and can focus on enjoying your time on the water worry-free.


On-Water Towing:

We have teamed up with boat towing experts all around Michigan, 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:

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 catches without missing a beat.

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

Michigan 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 is all about ensuring your boating journey is as smooth, secure, and enjoyable as possible!
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Sailboat Insurance in Michigan

Whether you are steering your sailboat solo or hosting a crew of friends, Ahoy! sailboat insurance is your trusted companion for safeguarding the sailing lifestyle you cherish. 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 Michigan

Powerboats, the perfect companions for adventures on inland lakes or the vast ocean! Whether you are towing a thrill-seeker on a tube or venturing into uncharted waters, 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 Michigan

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 Michigan

Whether you are charting a course through serene waters all by yourself or playing host to friends while docked, Ahoy!'s cabin cruiser insurance is your trusted partner in preserving the boating lifestyle you hold dear. Take the helm of your cruiser and sail into new adventures, knowing that Ahoy! has got your back every step of the way on your journey.


Bass Boat Insurance in Michigan

The serene dawn, your bass boat gracefully slicing through the calm waters in search of that ideal fishing spot. Ahoy!'s bass boat insurance acts as your steadfast guardian for both your vessel and your attempts to bring in a lunker!


Center Console Boat Insurance in Michigan

The adaptable center console boat, ideal for fishing or basking in the sun, deserves insurance as spirited as its nature. Ahoy! offers the coverage your center console boat craves, allowing you to leave your worries onshore and embark on new aquatic adventures or savor the thrill of the water with unwavering confidence.


Yacht Insurance in Michigan

With access to four different great lakes, and some huge inland lakes, owning a Yacht is more common in the “Great Lake State” than many other states. 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 Michigan 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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