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Looking for Pontoon Boat Insurance?

Ahoy! Pontoon Owners

Whether you are stopping by your favorite sand bar or anchoring spot, or just taking things in at cruising speed, we have your back.

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Your pontoon boat is your ticket to adventure and fun for the whole family. It cruises through the water with comfort, allowing you to reach your favorite spots with all the comforts to make a great day. Team up with Ahoy! for dependable insurance that travels with you, ensuring smooth trips and worry-free boating escapades. Just like a quick tug on your fishing line, we will promptly provide you with a quote, empowering you to navigate the waters with confidence.

By selecting Ahoy!, you are enhancing the safety of all your pontoon boat adventures. At Ahoy!, we stand by your side, offering protection tailored to every boater’s needs. Ahoy! and its tech-driven added value features accompany you, guaranteeing each voyage is as secure as a well-tied knot. 

Ahoy! Pontoon Boat Insurance

Ahoy! App enhances your boating experience by simplifying pontoon boat protection. It eases the process and enriches your time on the water. With app-based virtual self-inspections, Ahoy! reduces deductibles and offers phone replacement if lost at sea.

Your pontoon boat is a cherished team member, a source of pride, and a valuable investment. It represents a lifestyle as precious as the memories created on the water. Experience the joy of boating with your trusted pontoon boat companion.

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What is a Pontoon Boat?

The modern pontoon boat was invented in 1951 – though the design dates back to the ancient Egyptians. The modern design was created to allow for more people, and a more stable boating experience – to allow more people to enjoy a day on the water. What better way is there than to embark on leisurely days on the water with a pontoon boat, perfect for relaxing outings, fishing adventures and water sports. The pontoon boat is an excellent choice for calm waters and enjoyable trips, providing not just transportation but also serving as your ticket to a fantastic boating experience.

Let us explore the unique characteristics that set these boats apart:


Water Lover's Retreat:

Modern pontoon boats are designed with water lovers in mind, featuring amenities like spacious decks for lounging, comfortable seating for relaxation, built-in cup holders for convenience, and storage compartments for all your essentials. This purpose-built vessel truly captures the essence of a water enthusiast's paradise.


Safe and Stable:

With their wide, flat decks, pontoon boats offer a stable platform for all your water activities. The boat's shape enables a smooth ride even in rough waters, making it family-friendly and perfect for children or pets to move around safely.



Pontoon boats come in various sizes, with multiple seating arrangements and options for customization, allowing you to tailor your boat to your specific needs and preferences. Whether you're looking for a relaxing day on the water or an adventure-filled excursion, there's a pontoon boat that fits your exact desires.

Ahoy! offers dependable and customizable insurance for pontoon boat owners, ensuring coverage and protection for all your leisurely trips on the water. Our app and virtual self-inspections streamline the process and provide extras like phone replacement.

What Insurance Options Does Ahoy! Offer for Pontoon Boats?

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:

  • up to 50 feet – which if it existed, might be the largest Cabin Cruiser ever seen.
  • 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:


Liability Insurance:

Whether it is a minor mishap or a major incident, having the right liability insurance for your pontoon boat can provide the necessary protection. From potential property damage to unforeseen injuries, comprehensive coverage ensures you can navigate the waters with confidence, allowing you to focus on enjoying the beauty of the sea without the added stress of financial risks. Smooth sailing awaits you with Ahoy!


Comprehensive and Collision:

Comprehensive and Collision coverage are two types of pontoon boat insurance offered by Ahoy! Insurance provides varying levels of protection. Comprehensive coverage aids in covering damages not caused by collisions, like theft, vandalism, or natural disasters. In contrast, Collision coverage assists in covering repair costs if your pontoon boat collides with another vessel or object. Understanding these distinctions is crucial to ensure you have the appropriate coverage for your pontoon boating needs with Ahoy! Insurance.


Uninsured/Underinsured Boaters:

This type of coverage helps protect you if you are involved in an accident with another boater who does not have sufficient insurance coverage. It also covers medical expenses for injuries sustained in a hit-and-run pontoon boating incident. With Ahoy! Insurance, you can enjoy your pontoon boating adventures without worrying about the potential risks of encountering uninsured or underinsured boaters.



Accidents can happen at any time on the water, and having medical coverage for your pontoon boat brings peace of mind. From minor injuries to emergencies, Ahoy! Insurance offers comprehensive medical coverage options tailored to your pontoon boating requirements.


On-Water Towing:

We will pay your on-water towing bill up to the limit you choose!


Fishing Equipment:

Should your fishing need to be replaced due to a boat accident or go missing rest assured, you are covered. We will fully reimburse you for the replacement of these items, with a generous limit of up to $10,000.

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

Get worry-free boating with the Ahoy! Boat App. Insure your pontoon boat today!

Similar to your pontoon boat, the Ahoy! App is like having an insurance crewmate right by your side. From offering insurance assistance tailored to boaters to highlighting essential safety tips and even providing real-time weather updates to make your adventures smoother and more enjoyable, our application is designed to elevate every aspect of your pontoon boating experience!

Some of our mobile app features are:

Phone Replacement:

Our ‘Phone Overboard Protection’ feature – a unique feature tailored just for boaters. If your Ahoy! App is in use, and your phone goes overboard, we will replace your phone!

Get Alerted about the weather! 

Our weather and alerts function keeps you updated on weather conditions where you are and sends you early warnings.

Self Inspection saves you money!

Use the app effortlessly conduct a ‘Self Inspection’ using our app and enjoy a $100 discount on your deductible. It is all about making your boating experience as smooth and secure as possible.

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

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.

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A Step by Step Guide to Bass Boat Insurance 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’s 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!