Ahoy! Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Ahoy! Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.


Trusted Choice's Ahoy! Insurance Score

4 Stars

We award Ahoy! Insurance Company a final rating of 4 out of 5 stars. The insurance company is newer to the market and thus does not have official ratings by organizations like AM Best or the BBB. The carrier also does not yet have any customer reviews.

Ahoy! Insurance currently focuses only on offering boat insurance products. Coverage is available in 12 states at this time. However, Ahoy! Insurance provides excellent customer service and is highly accessible. Customers can contact the carrier via a mobile app or text. Extended customer service hours are provided via phone throughout the week as well.

Ahoy! Insurance makes it its mission to provide the real coverage boaters need and deserve. As boaters themselves, the team at Ahoy! Insurance understands exactly what's required for a boat insurance policy. That's why we'd highly recommend checking out the carrier with the help of your independent insurance agent if you need boat insurance.

Ahoy! Insurance Pros and Cons


  • Excellent customer service options including text and mobile app
  • Offers quality boat insurance sold by a team of experienced boaters
  • Discounts available
  • Extended customer service hours during the week


  • Not yet rated by AM Best or the BBB
  • Not yet BBB accredited
  • Coverage not available nationwide

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.

What Type of Insurance Does Ahoy! Insurance Offer?

Ahoy! Insurance is a specialized insurance company that focuses its efforts only on boat insurance at this time. 

An independent insurance agent can help you decide if any of Ahoy! Insurance's boat insurance products are right for you.


Connect with an Ahoy! Insurance Agent Today.

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What to Know about Ahoy! Insurance

Ahoy! Insurance was founded in 2021 and is one of the younger carriers on the market. Currently Ahoy! Insurance offers its coverage in 12 states: Minnesota, Nevada, Utah, Arizona, Illinois, Ohio, New York, Michigan, Wisconsin, Indiana, Tennessee, and South Carolina. According to the insurance company's LinkedIn profile, they have fewer than 50 employees, with about 30 of them found on the social media platform.

Boat insurance is Ahoy! Insurance's main focus, and the only insurance product they currently offer. 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."

Since Ahoy! Insurance is new to the market, they have yet to be rated or accredited by official organizations such as AM Best or the BBB. However, Ahoy! Insurance promises its customers that it provides quality products and service on its official website's FAQ. 

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).

An independent insurance agent can help you find out more information about Ahoy! Insurance's available discounts, including exact percentages you stand to save on your coverage.

Ahoy! Insurance Customer Service

Here’s an overview of the customer service options offered by Ahoy! Insurance.

  • Email 
  • Text
  • Phone
  • Mobile app
  • Online contact form
  • Instagram, Facebook, LinkedIn, and Twitter 

Hours (EST)

Monday-Friday 9 am - 8 pm

Saturday 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.

Ahoy! Insurance FAQ

Ahoy! Insurance does not currently provide a specific claims response timeframe promise. 

Ahoy! Insurance is available to be reached by customers via text, email, mobile app, online through their website, or via social media. They have generous, extended phone customer service hours during the week, but are 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. The carrier also has a wide social media reach spanning Facebook, Instagram, Twitter, 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 the following coverages:

  • Collision: If you hit another boat or object such as a dock.
  • Comprehensive: For other threats such as theft, vandalism, boat sinking, and weather damage. 
  • Uninsured/underinsured boaters coverage: In case you get into a collision with another boater who doesn't carry adequate coverage.
  • Cell phone coverage: If your phone falls overboard and has the Ahoy! mobile app installed.
  • Stolen boat retrieval assistance: If your boat gets stolen.

An independent insurance agent can help you find out 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, the carrier'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.

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