Tennessee Boat/Watercraft Insurance Coverage

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Boat/Watercraft Insurance Coverages

Boat/Watercraft Insurance

You will most likely enjoy your boating experience when you don’t have to worry about your investment, your safety, and the safety of your passengers. Boat/watercraft insurance isn’t mandatory in Tennessee, but even so, it’s important to carry it so as to prepare for the unexpected. Plus, it’s quite inexpensive. Whether your boat/watercraft is always in water or occasionally in water, it faces a wide range of risks that boat/watercraft insurance can protect you from.

Having boat/watercraft insurance with Choice Insurance Agency LLC protects any boat with a motor, which includes a kayak, yacht, paddle boat, Jet Ski, or a canoe. Speak to our agents to help you determine the amount of coverage you need based on the type of the boat, its size, and your unique needs. Below are some of the many coverage options for your Tennessee boat/watercraft insurance policy:

  • Liability: Covers liability costs in the event that you are held legally responsible for third-party bodily injury or property damage.
  • Medical payments: Covers your medical expenses or those of your passengers if you are involved in an accident, regardless of who is at fault.
  • Collision damage: Covers the cost of repairs/replacement in case your boat is damaged after it hits or is hit by another watercraft or object.
  • Comprehensive: Provides compensation if your boat is damaged due to non-collision accidents, stolen, or vandalized.
  • Uninsured/underinsured: Covers damages to your boat caused by boaters with no insurance or insufficient liability insurance.

To achieve maximum protection, you can also include additional coverage options such as roadside assistance, boat removal, on-water towing, navigational area, fuel spill and wreckage removal liability, and much more. Talk to our agents to understand what suits your boating needs.

At Choice Insurance Agency LLC, we understand that every watercraft is different. We, therefore, write affordable and reliable boat/watercraft insurance policies that are tailored to satisfy your unique needs. Contact us today to find out how best to protect your investment from unforeseen circumstances.