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Looking for Boat Insurance in Wisconsin?

Ahoy! Wisconsin!

Welcome to your trusted source for boat insurance in Wisconsin! Wisconsinites have many options when it comes to boating, from the many lakes and rivers of the Northwoods, a huge Lake Michigan shoreline (and Lake Superior too!).

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Navigating the beautiful waters of the Badger State should be an adventure filled with joy, not worry. That is why we are here—to offer you comprehensive and tailored insurance solutions that keep your boating experiences carefree and enjoyable. Whether you are gliding through the serene lakes, exploring vast rivers, or enjoying leisurely days by the shore, our boat insurance policies are designed to provide the protection you need for every wave and every journey. Ahoy! Insurance is designed for boaters, by boaters, and we only offer boat insurance. Our goal is to provide you with the coverage you need, and to make the boat insurance process as easy as possible!

Does Wisconsin Require Boat Insurance?

No! Wisconsin state law does not require boat insurance by default. Nonetheless, some marinas will request insurance for docking access, and private lenders typically mandate comprehensive and collision coverage until your boat loan is fully repaid. Not only that, boat insurance can help you find more peace during your day on the water – a boat can be a significant investment, and boat insurance can help ease your worries when you are out on the water!

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Streamlined Boat Insurance in Wisconsin!

At Ahoy! Insurance, we understand that insurance can be a confusing and daunting topic for many. That is why we make the boat insurance process in Wisconsin as streamlined and hassle-free as possible. With our dedicated team of experts, we work tirelessly to provide you with the best coverage options at competitive prices. We take the time to understand your specific needs and tailor a policy that works for you. Additionally, our online platform allows for easy management of your policy and claims, making it convenient for you to keep up with your coverage on the go.

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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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We Provide a Comprehensive Range of Coverage Designed With Boaters in Mind Including:


Liability Coverage:

Liability protection comes in as your reliable partner. It is designed to handle the costs for any damages or injuries you may be liable for. Although we never anticipate such incidents, having liability coverage is a prudent choice, ensuring your boating adventures in Wisconsin remain relaxed and enjoyable.


Comprehensive and Collision:

For Wisconsin boat owners, comprehensive protection serves as your boat's shield against sudden incidents beyond your control. Whether it is fire, theft, or vandalism, it is like having a trustworthy guard watching over you, especially when your boat is securely stored and out of your sight. And if your boat collides with another boat, a buoy, or a dock, collision insurance proves to be your reliable guard.


Uninsured/Underinsured Boater Protection:

Even though boating is deemed a safe activity, accidents can be inevitable. And if you find yourself in an accident with an uninsured or underinsured boater, Ahoy! Insurance has got your back. We offer coverage to protect you and your boat against any damages or injuries caused by another boater without sufficient insurance.



Boat insurance in Wisconsin goes beyond protecting the boat to ensure the passengers' safety. Comprehensive medical coverage within a boat insurance plan is crucial, providing a financial safety net. In case of an accident onboard in Wisconsin waters, this feature guarantees protection for all, allowing worry-free enjoyment of your time on the water.


Boat Towing Services:

We have teamed up with boat towing experts in Wisconsin, 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:

Discover peace of mind with our comprehensive coverage for your beloved fishing gear! With protection up to $10,000, you can focus on reeling in those big catches worry-free.

We offer Roadside Assistance, Reimbursement for Boat Rentals, and coverage for your personal belongings.

Ahoy! Mobile App: Embark on Wisconsin Waters with Assurance and Ease!

At Ahoy! Insurance, we understand the importance of being prepared while on the water. That is why we developed our mobile app to ensure a seamless and convenient experience for our customers in Wisconsin. With the Ahoy! mobile app, you can easily view your policy, submit claims, request assistance, and more – all at the touch of a button!

Stay informed with ‘Real-Time Weather Updates and Notifications’. Use our ‘Vessel Self-Check’ tool for a quick check-up and enjoy a substantial $100 discount on your deductible. Sail seamlessly, securely, and joyfully with Ahoy!

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Coverage for Sailboats in Wisconsin

Here at Ahoy!, We understand that sailing can come with its own unique risks and challenges. That is why our comprehensive sailboat coverage includes protection against damage from weather events, dock collisions, and more. We also offer liability coverage to protect you in case of any accidents or injuries involving your sailboat. Enjoy the freedom and tranquility of sailing without worrying about potential risks - let Ahoy! Insurance take care of it for you!


Power Boat Insurance in Wisconsin

Looking for power boat insurance in Wisconsin? Look no further than Ahoy! Insurance. Our team of experts is dedicated to providing you with the best coverage options for your power boat. Whether you enjoy cruising, fishing, or water sports on your power boat, we have comprehensive policies that can protect it from potential risks and damages while out on the open waters of Wisconsin.


Fishing Boat Insurance in Wisconsin

At Ahoy! Insurance, we understand the unique needs of fishing boat owners in Wisconsin. That is why we offer specialized coverage options for your fishing vessel to ensure you can focus on reeling in the big catch without worrying about potential risks. Our fishing boat protection includes coverage for damages from weather events, collisions, and even theft or vandalism.


Cabin Cruiser Insurance in Wisconsin

Ensure smooth operations for your Wisconsin lake houseboat with Ahoy! Whether you are uncovering serene lakes solo or entertaining friends on the deck, our insurance ensures your precious boating experience. Set sail with comfortable confidence, knowing Ahoy! stands by you on every maritime journey.


Wisconsin's Bass Boat Insurance

Your bass boat gracefully navigates through the calm waters in search of the perfect fishing spot. Ahoy! provides bass boat insurance as a reliable shield for your vessel and your quests to land a big catch!


Ahoy! Center Console Insurance

Insurance coverage for center console boats in Wisconsin is vital. These versatile crafts, perfect for fishing or sunbathing, require insurance that matches their adventurous spirit. Ahoy! provides the security your center console boat needs, freeing you from onshore concerns and allowing you to partake in water adventures or luxuriate in the thrill of the water with absolute serenity.


Yacht Insurance in Wisconsin

With Access to both Lake Superior and Lake Michigan, many Wisconsinites choose a Yacht for their boating experiences. 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 Wisconsin 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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