Hero Image

Looking for Boat Insurance in New York?

Ahoy! New York Boaters!

Ahoy! Insurance safeguards your boating adventures across the Empire State. From navigating the Hudson River to exploring Lake George or enjoying the sights of Long Island Sound, proper boat insurance is indispensable.

Start your FREE quote

Insurance for recreational boaters is all we do, and we are boaters ourselves, so we understand your needs. If you need Boat Insurance in the state of New York, count on Ahoy! to protect your boat!

Is Boat Insurance Required in New York?

For boating in New York State, having boat insurance is not required by law. However, it is vital to ensure you have the right coverage to safeguard your investment and sail worry-free. Ahoy! is dedicated to helping boaters easily get the needed coverage. With our user-friendly mobile app and signup process, we aim to enhance your boating experiences, allowing you to navigate New York’s waters with confidence.

Hero Image

Ahoy! Makes Boat Insurance in New York Easier!

Experience peace of mind and security with boat insurance while navigating the iconic waters of New York. Ahoy! focuses on recreational boat insurance, guaranteeing worry-free and pleasant journeys along New York’s picturesque waterways.

Utilizing cutting-edge technology, our insurance services simplify the procedure, enhancing your boat insurance journey in the Empire State. Whether you are exploring the Great Lakes, the Finger Lakes, or the vibrant waters around NYC, Ahoy! stands by your side.

Start a FREE Quote!

Hero Image

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.


Hero Image

For starting a quote for these please contact us
by phone (1-855-289-2469),
chat www.ahoy.insure, or e-mail [email protected]

Hero Image

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're 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 are 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 New York 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

New York 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 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!

Hero Image

Ahoy! Providing Protection for All Boat Types in New York:


Sailboat Insurance in New York

New York state has so many different sailing options – and Ahoy! can take the worry over finding the right insurance, so you can spend more time charting your course on a Great Lake, Finger Lake, Long Island Sound or anywhere else!


Powerboat Insurance in New York

Powerboats are very popular in New York, owing to the size of New Yorks waterways. Powerboats are found on the Hudson River, the great lakes of the Ocean! Whether you are taking the family for a tube ride, or exploring a nearby town, Ahoy!'s tech-savvy insurance ensures that your boat will be protected!


Fishing Boat Insurance in New York

From Shark, to Muskie, to Perch, fisherman in New York have a lot of options. Ahoy!'s fishing boat insurance is designed with recreational fisherman in mind, and comes with a helpful boating app, and coverage for Fishing gear!


Cabin Cruiser Insurance in New York

A cabin cruiser allows you more space, more comfort, overnight trips, or an expensive but convenient place to hang out on at the Marina. Ahoy! insurance helps you to protect your investment and worry less about what could happen. 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 New York

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 New York

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


Yacht Insurance in New York

With a multitude of boating options in New York state, from the great lakes, to the finger lakes, to the Hudson river and access to the ocean, many New Yorkers 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 New York with Ahoy!

Step 1 Image

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.

Step 2 Image

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.

Step 3 Image

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.

Step 4 Image

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!

Get a Quote!