Boat Insurance for Lakes and Rivers
Smooth sailing with boat insurance
Boat insurance owners can count on starts with the right mix of liability and hull coverage. Tate Insurance Group helps protect fishing boats, pontoons, sailboats, and personal watercraft so you can focus on the water.
Coverage options for boats and personal watercraft
Policies can include physical damage to the hull, liability if you injure someone or damage property, medical payments, uninsured boater coverage, and on-water towing. Home policies provide little for watercraft, so pair a dedicated boat policy with your homeowners insurance for complete protection on land and water.
Protect your fun on the water
Marinas or lenders may require proof of insurance. We review navigational limits, storage arrangements, and trailers used with auto insurance to make sure the entire trip from driveway to dock is addressed.
Stay Covered On The Water
Frequently Asked Questions About Boat Insurance
Is boat insurance required in Tennessee?
State law may not require it, but marinas and lenders often do. Liability and hull coverage are strongly recommended.
Does my home policy cover my boat?
Usually only minimal coverage for small craft. A separate policy is the practical way to insure your boat.
Are there boat insurance discounts?
Safety courses, multi-policy accounts, clean driving records, and approved anti-theft devices can help lower cost.
Is coverage seasonal?
Policies are typically annual, but storage and lay-up provisions may apply during winter months.
Does it cover me on any lake?
Coverage follows the navigational territory in your policy. We will match limits to where you boat most often.
