Ahoy Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Ahoy! currently publishes consumer-facing underwriting and eligibility guidance on its FAQ plus agent information on its main site. Core appetite is recreational pleasure watercraft and yachts nationwide. Admitted product: pleasure watercraft available in all states except New Hampshire, New Jersey, Alaska, and Hawaii; designed for boats under $500,000, up to 3 engines, generally up to 50 feet, up to 30 years old, and up to 1050 HP. E&S product: available in all states and U.S. territories for higher-value or larger risks, including vessels about 50 to 110 feet and values from $500,000 to $3.5 million; houseboats/custom houseboats can be considered, with houseboats up to 120 feet noted. Preferred business appears to be non-commercial recreational boats such as speed/motor boats, fishing boats, sailboats and similar pleasure craft. Restricted/declined or ineligible risks include hovercrafts; some electric boats and hydrofoils may be eligible but require case review. E&S application representations indicate no commercial or business use, no racing or speed contests except sailboats, no lease/rental exposure unless specifically endorsed, and no principal garaging in Alaska or Hawaii. The E&S application also flags ineligible/undesirable construction or design types including amphibious vehicles, airboats, iceboats, glass-bottom boats, kit boats, tunnel-hull boats, enhanced engine boats, and wood / ferro-cement / cold-molded / original wood covered with fiberglass risks. Condition requirements include seaworthy vessels, properly maintained, no unrepaired damage, not under repair, and not held by others for sale. Navigation note: admitted coverage is for U.S. and Canadian waterways up to 100 miles from the coast; coverage ceases in international waters or another country’s waters if within that limit, while E&S can offer international navigation by endorsement. Ownership/entity notes: admitted business must be in an individual’s name, with trusts or businesses only as additional named insureds; admitted allows up to two owners. E&S is more flexible and can insure trusts or business-named ownership subject to review. Weekend liveaboard exposure is acceptable in both products only if disclosed before binding; insured/agent must email firstmate@ahoy.insure or support.agents@ahoy.insure and receive confirmation before binding. Submission/process notes: admitted risks are quoted and bound online through Ahoy’s quote flow; larger E&S risks require the downloadable application to be completed and emailed to firstmate@ahoy.insure. The site also references a vessel self-survey/inspection form requiring condition details and photographs (bow, stern including engines/bilge/compartments, port, starboard, trailer) where applicable, indicating documentation/inspection may be required for some vessels. Broker/producer notes: Ahoy markets a user-friendly agent portal for pricing, quoting, binding, and portfolio tracking, offers appointment access, and states it pays commissions with special incentives during rollout in a state. Partner support is directed to support.agents@ahoy.insure and phone support is listed during business hours.