Ahoy! Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Ahoy! Insurance Score
3.5 Stars
We award Ahoy! Insurance Company a final rating of 3.5 out of 5 stars. The insurance company is newer to the market and thus does not yet have official ratings by organizations like AM Best or the Better Business Bureau (BBB). However, Ahoy! states it is financially backed by carriers rated at least "A-" by AM Best.
Ahoy! Insurance was founded in 2021 and currently focuses on offering boat insurance products. Ahoy! Insurance provides excellent customer service and is highly accessible. Customers can contact the carrier by mobile app or text. Extended customer service hours are provided via phone throughout the week as well.
The carrier's mission statement is, "We don't insure boats, we assure boaters," because the founding team of Ahoy! Insurance is made up of boaters. Because of this, Ahoy! Insurance aims to offer boaters peace of mind when using their recreational vessels. The team at Ahoy! Insurance recognizes a boat as "much more than a piece of property."
As boaters themselves, the team at Ahoy! Insurance understands exactly what's required for a boat insurance policy. That's why we recommend checking out the carrier with the help of your independent insurance agent if you need boat insurance.
Ahoy! Insurance Pros and Cons:
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|
||||
|
|||||
|
To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Ahoy! Insurance Products by Type
Ahoy! Insurance is a specialized insurance company that focuses its efforts only on boat insurance at this time.
Personal Insurance:
- Boat Insurance
An independent insurance agent can help you decide if any of Ahoy! Insurance's boat insurance products are right for you.
Ahoy! Boat Insurance
Ahoy!'s boat insurance policies include many standard coverages, such as collision, comprehensive, uninsured/underinsured boaters, liability, and more. Many different types are eligible for coverage, including those that are 94 feet long or shorter, up to $2.5 million in value, and up to 40 years old. Policies also include coverage for roadside assistance, medical payments, on-water towing, and fishing equipment.
Some policy enhancements are outlined below.
Coverage types, features, and benefits:
Personal effects
Ahoy!'s personal effects coverage can pay for covered losses related to damage, theft, or destruction of your boat's lift.
Boat rental reimbursement
Ahoy! can reimburse policyholders for the cost of a boat rental after a covered loss renders their vessels unusable.
Wreckage removal
Ahoy!'s wreckage removal can reimburse policyholders for professional cleanups and wreckage removal after a breakdown at sea.
Ahoy! Boat Insurance Average Prices
Ahoy! does not publish its average boat insurance prices. Interested customers can request a quote directly through the carrier's website or by working with an independent insurance agent. The cost of boat insurance policies can vary based on a number of factors, including location, claims history, boat type, and more.
What Discounts Does Ahoy! Insurance Offer?
Ahoy! Insurance provides a few discounts for its customers on its boat insurance products.
- Paid-in-full discount: Awarded to customers who pay their entire year's premium in full vs. making monthly payments (5%).
- Vanishing deductible discount: Awarded to customers who provide photos of their boat (% not specified).
- Claims-free discount: Awarded to customers who provide photos of their boat and also remain claims-free for a set period of time (% not specified).
- SaferBoater program discount: Awarded to customers who complete a Gold Card or Enhanced training by SaferBoater (5%)
An independent insurance agent can provide better discount information and premium quotes for coverage through Ahoy! Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Ahoy! Insurance Customer Service
Here’s an overview of the customer service options and availability offered by Ahoy! Insurance.
- Text
- Phone
- Mobile app
- Online contact form
- 24/7 phone claims reporting
The phone customer service department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 9 a.m. - 8 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
When it comes to outstanding customer service, an independent insurance agent has got you covered. Independent insurance agents can not only help you find the coverage you need but also maintain your policy, file claims, and even change or cancel your coverage down the line.
Connect with an Ahoy! Insurance Agent Today.
Shopping for insurance? Ahoy! has you covered.
Ahoy! Insurance FAQs
Ahoy! Insurance does not currently provide a specific claims response time frame promise. Claims can be filed 24/7 by phone, online, or mobile app.
Ahoy! Insurance is available to customers via text, email, mobile app, online, or via social media. The carrier has generous, extended phone customer service hours during the week but is closed on weekends.
Ahoy! Insurance does not provide much information about its claims process beyond how to file. Customers can contact the carrier via phone or through the MyAhoy! online portal on the official website or mobile smartphone app.
Ahoy! Insurance's official website is excellent. Pertinent information is easy to find, and attractive, interactive graphics help elevate the browsing experience. The carrier also has a wide social media reach spanning Facebook, Instagram, X, and LinkedIn.
The carrier is available for customer service at generous hours during the week and even allows customers to file claims or get in touch via a smartphone app. Overall, Ahoy! Insurance provides a highly user-friendly experience.
Ahoy! Insurance's boat insurance products come with many coverages, including collision, comprehensive, liability, and uninsured/underinsured boaters. Policies can also include coverage for on-water towing, medical payments, personal effects, and more. An independent insurance agent can help you decide if Ahoy! Insurance's boat insurance is a good match for you.
Ahoy! Insurance is a young carrier and currently lacks official reviews by AM Best and the BBB. Because of its age, the carrier also does not currently have proof of financial strength.
However, Ahoy!'s customer service processes and promises are impressive. We also love the discounts offered on the carrier's boat insurance policies. Overall, we say that Ahoy! Insurance can be considered a good insurance company.
Ahoy!'s insurance products may be right for customers in search of boat insurance. Coverage availability may vary by state.
https://www.ahoy.insure/boat-insurance/