Personal insurance · Middle Tennessee

Boat Insurance in Nashville, TN

Shopping for boat insurance in Nashville, TN? Whether you fish, ski, or cruise on a pontoon, here’s what a boat policy can do. Boat insurance protects your boat, motor, and trailer, plus your liability if you cause injury or damage while on the water. From pontoons and bass boats to personal watercraft and cabin cruisers, Tennessee has plenty of lakes and rivers to enjoy. Homeowners policies often provide little or no coverage for boats, so a dedicated policy is usually the better choice.

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What it covers

Physical damage (hull) Helps repair or replace your boat after covered losses like collision, sinking, fire, theft, or storms.
Motor and equipment Covers the engine and permanently attached equipment, depending on the policy.
Liability Helps pay if you injure someone or damage another boat, dock, or property, including legal defense.
Medical payments Helps pay medical bills for you and your passengers after a boating accident.
Uninsured boater Helps protect you if you’re injured by a boater who doesn’t have insurance.
Trailer coverage Covers the boat trailer, often included or available as an add-on.
On-water towing and assistance Helps pay for towing or help if you break down on the water.

What it usually doesn’t cover

Wear and tear, gradual deterioration, and mechanical breakdown are typically excluded.
Freeze damage is often excluded if the boat wasn’t properly winterized.
Damage from marine life, insects, or rodents is typically not covered.
Racing and commercial or charter use are often excluded.

Who it’s for

Boat insurance is for anyone who owns a boat or personal watercraft, including pontoon boats, fishing and bass boats, ski and wake boats, sailboats, and jet skis. If you finance your boat, your lender will likely require physical damage coverage. Even if you don’t, liability coverage protects you from costly accidents on busy lakes. Before you hit the lake, check out our boat insurance guide.

Factors that affect your rate

Type, length, age, and value of the boat
Engine horsepower and top speed
Your boating experience and any safety courses completed
Where you keep and use the boat
Agreed value versus actual cash value coverage
Deductibles and liability limits

Optional coverages to consider

Agreed value coverage Sets the boat’s value up front so you know what you’d receive for a total loss.
Personal effects Covers fishing gear, electronics, and other items on board.
Fuel spill liability Helps pay cleanup costs and liability if your boat spills fuel.
Wreck removal Helps pay to remove a sunken or wrecked boat when required.

Why work with Eric

Boats vary widely in value and use, and so do carrier guidelines. As an independent agent affiliated with Hutsenpiller Insurance, Eric can compare boat options with more than one carrier and help you decide between agreed value and actual cash value coverage. Here’s how an independent agent works for you, not one company.

Boat Insurance for Old Hickory Lake, Percy Priest, and Beyond

Eric works with boat owners in Hendersonville, Old Hickory, Gallatin, and Mt. Juliet, along with nearby Hermitage and Smyrna. Many of them spend summer weekends on Old Hickory Lake or J. Percy Priest Lake, or on the Cumberland River. Eric can help you choose agreed value or actual cash value coverage, make sure your trailer is included, and check your liability limits. If you boat anywhere in Middle Tennessee, he can compare options for you.

Frequently asked questions

Does my homeowners policy cover my boat?

Sometimes in a very limited way, for small boats. Coverage is often restricted, so a separate boat policy is usually recommended.

Does boat insurance cover personal watercraft like jet skis?

Many policies can cover personal watercraft. Coverage varies by carrier.

Is my trailer covered?

Often, yes, either included or as an add-on. Liability while towing usually comes from your auto policy.

Can taking a boating safety course help?

Some carriers offer credits for approved boating safety courses. Ask us what’s available.

Learn more

Want to dig deeper before you decide? Read our article, Boat Insurance in Tennessee: What Lake Lovers Should Know, for more plain-English answers and tips from Eric.

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Eric compares options from a variety of carriers and explains them in plain English. Start online, or call or text 615-808-1105.