Hero Image

Looking for Boat Insurance in North Carolina?

Ahoy! North Carolina!

Ahoy! is your trusted partner for boat insurance in North Carolina. Whether you're on Lake Norman, fishing at Lake Lure, or enjoying Jordan Lake, the right coverage ensures peace of mind.

Start your FREE quote

At Ahoy!, we specialize in boat insurance, understanding the unique challenges and joys of boat ownership in North Carolina. From comprehensive coverage, through tech-driven features to protect you and your boat, to personalized customer service, Ahoy! is your top choice for boat insurance in North Carolina.

Is Boat Insurance Required in North Carolina?

North Carolina does not require boat insurance by law, but having boat insurance is crucial for peace of mind. Since boating is a recreational pursuit, it should be stress-free. Our goal is to assist boaters in obtaining the necessary coverage easily. Through our intuitive mobile app and simple registration process, we strive to improve your boating adventures, enabling you to sail North Carolina’s waters confidently. Let Ahoy! Insurance guide you through the sea of boat insurance options, helping you find a policy that lets you enjoy worry-free time on the water.

Hero Image

Ahoy! Makes Boat Insurance in North Carolina easier!

Imagine the peace of mind and protection that boat insurance provides as you cruise through the vast waters of Lake Norman or discover the hidden gems of the Outer Banks in North Carolina. At Ahoy!, we specialize in recreational boat insurance tailored for your adventures on North Carolina’s beautiful waterways. Our insurance solutions incorporate cutting-edge technology to simplify the process, ensuring a seamless and enjoyable boat insurance experience in the Tar Heel State. We are dedicated to innovating boat insurance, including coverage for modern accidents like accidentally dropping your phone in the water! With Ahoy!, you can navigate North Carolina’s waters with confidence, knowing we have your back, whether for standard coverage or the unique requirements of today’s boaters.

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:


Liability Coverage:

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 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 North Carolina, 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:

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.

North Carolina 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!

Hero Image

Sailboat Insurance in North Carolina

Ahoy! safeguards your sailboat, freeing your mind to ponder the winds, unfurl the sails, and tune into yacht rock on the radio. Set sail confidently, with the wind as your compass, knowing that Ahoy! stands ready to accompany you on all your nautical escapades.


Powerboat Insurance in North Carolina

Powerboats can serve as ideal companions on the vast lakes of North Carolina. Whether you are towing an adrenaline junkie on a tube or exploring a secluded cove, Ahoy!'s advanced insurance technology guarantees your boat's safety, providing you with peace of mind and a smooth sailing experience ahead.


Fishing Boat Insurance in North Carolina

Ahoy!'s fishing boat insurance lets you indulge in your love for fishing on your trips, without fretting over boat coverage. Use your time picking the perfect bait, not stressing over insurance details, all thanks to Ahoy!


Cabin Cruiser Insurance in North Carolina

A cabin cruiser provides extra space and comfort for overnight trips. Ahoy!'s cabin cruiser insurance ensures worry-free hours on your vessel. Cruise under sunny skies knowing that Ahoy! supports you every step of your journey.


Bass Boat Insurance in North Carolina

Ahoy! Our bass boat insurance serves as a reliable guardian for both your vessel and your pursuit of landing the big one. We not only provide coverage for your boat but also offer protection for your fishing gear!


Center Console Boat Insurance in North Carolina

Center Console boats are gaining popularity for their versatile open cabin design. Ahoy! provides coverage for you and your center console boat, ensuring you can bask in the sun and ride the waves with peace of mind.


Yacht Insurance in North Carolina

With access to the ocean, and sizable inland lakes, residents of North Carolina often opt for a Yacht, which 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 North Carolina 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!