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Looking for Boat Insurance in South Carolina?

South Carolina’s First Choice For Insurance.

Whether you're cruising Lake Hartwell, fishing in Lake Murray, or enjoying Lake Keowee, the right boat insurance in South Carolina ensures worry-free sailing.

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At Ahoy! Insurance, our expertise is solely in crafting boat insurance policies that meet the unique demands and delights of boat ownership in South Carolina. With our commitment to comprehensive protection and personalized service, Ahoy! Insurance is your go-to source for boat insurance in the region.

Is Boat Insurance Required in South Carolina?

In South Carolina, boat insurance is not mandated by state regulations, but is vitally important to protect your investment and peace of mind. Boating should epitomize carefree recreation, and our mission is to make getting boat insurance easy and hassle free. Ahoy! Insurance is dedicated to optimizing your boating adventures through our intuitive mobile application and simplified registration process, empowering you to safely sail South Carolina’s waters. Allow Ahoy! Insurance to serve as your navigator through the extensive ocean of boat insurance choices, steering you towards a policy that lets you relish your aquatic escapades without a worry in sight.

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Insurance Made Easy

At Ahoy!, our focus is solely on recreational boat insurance, driven by our belief that your voyages on South Carolina’s breathtaking lakes, rivers and ocean coastlines should be seamless and filled with happiness. We tailor our insurance solutions using the latest technology to simplify and protect your journey, ensuring that insuring your vessel in the Palmetto State is not only easy but also enjoyable. Ahoy! is at the forefront of boat insurance innovation, offering coverage for contemporary challenges such as accidentally submerging your smartphone. With Ahoy!, you’re well-prepared to explore South Carolina’s waters, assured that we’ve got you covered for everything from traditional protections to the specific demands of the modern boater.

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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 Coverage Options Include:


Liability Coverage:

Imagine a serene day on the lake interrupted by an unforeseen event such as a collision or an injury. Liability insurance is your safety net, covering costs for damages or injuries you may inadvertently cause, ensuring your boating remains a worry-free adventure. Opting for liability coverage equips you to sail with assurance, ready for life's surprises.


Comprehensive and Collision:

Picture a peaceful sail disrupted by sudden damage due to a storm or unseen underwater hazard. This is where comprehensive and collision insurance comes into play, covering repairs or replacement. Comprehensive insurance safeguards against non-collision-related incidents like theft, fire, or weather damage, while collision insurance handles accidents with other boats or stationary objects. These protections offer the peace of mind needed to fully enjoy your boating, secure in the knowledge that you're protected against unexpected events.


Uninsured/Underinsured Boater Protection:

On the water, you might cross paths with an uninsured or inadequately insured boater, leading to an accident where you're not to blame. This insurance acts as your buffer in such situations, covering expenses the at-fault party can not, adding an essential layer of financial security to keep your boating experiences unblemished by unforeseen costs.


Medical Payments:

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:

In collaboration with South Carolina’s top boat towing professionals, we are here to assist if you ever need a tow back to shore. Your safety is paramount, and we are dedicated to ensuring you can always return safely to land.


Fishing Equipment:

Should your fishing gear accidentally fall overboard, worry not. We provide full reimbursement for your fishing equipment, with coverage extending up to $10,000, so your fishing adventures can continue without a hitch.

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.

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

Boating transcends a mere hobby, it’s a way of life! The Ahoy! Mobile App stands as your steadfast sidekick, not just for insurance matters but also for transforming your boating adventures into truly memorable journeys.

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’s just the tip of the iceberg: our ‘Weather Insights and Warnings’ function keeps you abreast of meteorological conditions, providing timely notifications to keep you ahead of the weather. Furthermore, our ‘DIY 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 nautical escapades as seamless, safe, and delightful as possible!

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Sailboat Insurance in South Carolina

Ahoy! insurance safeguards your sailing endeavors, freeing your mind to focus on the rhythm of the winds and the dance of the sails, with your favorite yacht rock tunes setting the mood. Raise your sails and let the breeze chart your course, comforted by the fact that Ahoy! stands by your side for every maritime journey.


Powerboat Insurance in South Carolina

In the expansive lakes of South Carolina, powerboats become your ideal adventure partner. Whether it's pulling an eager friend on a tube or discovering a secluded cove, Ahoy!'s innovative insurance solutions ensure your vessel is protected, providing you with tranquility and a carefree journey on the water.


Fishing Boat Insurance in South Carolina

With Ahoy!'s fishing boat insurance, your focus remains on the thrill of fishing, not the intricacies of insurance. Dedicate more time to choosing the right lure and less to insurance concerns, ensuring those valuable fishing moments are uninterrupted by worries.


Cabin Cruiser Insurance in South Carolina

Cabin cruisers offer extended comfort and the possibility of overnight adventures. Ahoy!'s cabin cruiser insurance means you can relish the time spent aboard your spacious vessel, cruising under the golden sunset, assured that Ahoy! supports you at every turn of your voyage.


Bass Boat Insurance in South Carolina

Ahoy!'s bass boat insurance is your reliable ally, protecting not just your craft but also your quest for the big catch. We go beyond just insuring your boat; we also offer protection for your prized fishing equipment, ensuring comprehensive coverage.


Center Console Boat Insurance in South Carolina

The versatility and popularity of Center Console boats are on the rise, appreciated for their open cabin design. Ahoy! provides insurance for you and your center console boat, enabling you to relish the sunshine and sea spray without worry.


Yacht Insurance in South Carolina

South Carolina’s larger lakes and access to the ocean inspire many owners to opt for a yacht in South Carolina. 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 South Carolina 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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