Tennessee Boat Insurance

Get a complete analysis of Tennessee boat insurance costs, coverages & companies.

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

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Find the Best Boat Insurance Rates & Companies in Tennessee 

Tennessee is well known for its music and active nightlife. However, the state also has a number of large rivers and more than 50 lakes within its borders. Boating is another one of the most popular activities in Tennessee, and as such, there's an increasing number of watercraft registered in the state with each passing year. To protect your investment, you'll need to get the proper coverage. 

Luckily, a Tennessee independent insurance agent can help you get set up with the right boat insurance. They'll make sure they find a policy that best covers your unique vessel. Until then, here's a deep dive into Tennessee boat insurance requirements, costs, discounts, and more.

Best Boat Insurance Companies in Tennessee

Boat insurance is offered by many different carriers throughout Tennessee. However, when you're looking for top-quality coverage, it's helpful to know where to start. Here are just a few of our picks for the best boat insurance companies in Tennessee.

A Tennessee independent insurance agent can provide you with boat insurance quotes from any of these insurers and others that sell coverage in your city.

What Boat Insurance in Tennessee Can Cover

Boat insurance is highly customizable, so you can select the coverage options that work best for you. In Tennessee, you can often find the following coverages:

A Tennessee independent insurance agent can make the process of assembling the ideal boat insurance policy much easier.

Is Boat Insurance Required in Tennessee?

Tennessee doesn't mandate boat insurance by state law. Many boaters still find they're required to have coverage, however, such as if they dock their watercraft at a marina. 

Those who finance their vessels are also often required to have coverage by their lenders. Because of this, it can be wise to go ahead and get coverage, particularly if you own any of these:

Aside from instances in which boat insurance may actually be required, having coverage can benefit you in many other ways. Just one lawsuit related to a boating collision or another incident can set you back several thousand dollars if you lack coverage. Considering this, the cost of boat insurance may be well worth it after all.

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What Boat Insurance in Tennessee Will Not Cover

Coverage exclusions exist for every type of policy, and boat insurance is no exception. In Tennessee, boat insurance tends not to cover the following:

It's critical to understand what your boat insurance covers and what it doesn't. That way, you can seek out any additional coverage you may still want.

Average Cost of Boat Insurance in Tennessee

Boat insurance in Tennessee costs about $344 per year, which places it right around the middle of the pack. However, your policy may be more or less expensive based on the following factors and more:

If you've submitted boat insurance claims before, you can typically expect higher rates for your current coverage. Many other factors can also lead to more expensive premiums, such as owning an especially valuable boat that would cost more to repair or replace.

What Boat Insurance Discounts Are Available in Tennessee?

Boat insurance costs in Tennessee can be reduced thanks to many available discounts. Though the specific discounts offered vary by insurer, you can often find these options:

A Tennessee independent insurance agent can bring the cost of your boat insurance down as much as possible, partially thanks to any discounts you may qualify for.

Popular Questions about Tennessee Boat Insurance

Is boat insurance required in Tennessee?

Boat insurance isn't required by law in Tennessee. Many boaters still opt to get coverage, though, so they can get reimbursed for various incidents like boating collisions or lawsuits.

How much does boat insurance cost in Tennessee?

Boat insurance policies in Tennessee average $344 annually. However, the cost of your specific policy can vary depending on the type of boat you insure, how often you use it, where you store it, and other factors.

What is the best boat insurance company in Tennessee?

Our finding is that Westfield is currently the best boat insurance company in Tennessee. Westfield offers outstanding coverage options, great customer service, and competitive rates.

If I cause an accident while towing my boat, who pays for the damage?

After an accident, you can go through your boat insurance policy to pay for any necessary repairs or replacements to your property or third-party property, including watercraft. Your boat insurance can also pay for medical treatments if anyone got injured in the accident.

Do you need boat insurance in Tennessee?

You're not technically required by law to have boat insurance in Tennessee. However, many lenders require those who finance their watercraft to have coverage.

What does boat insurance cover in Tennessee?

In Tennessee, you can customize your boat insurance to include coverage for liability, vandalism, collisions, emergency towing services, and much more. What your boat insurance covers depends on the types of protection you select when building your policy.

Why work with a Tennessee independent insurance agent when shopping for boat insurance?

Tennessee independent insurance agents can help you find the boat insurance you need from a top-rated local carrier. Independent insurance agents work hard to find quality coverage at the most affordable rate. They'll shop and compare boat insurance quotes from a number of different carriers for you. 

And down the road, they can help you file boat insurance claims or update your coverage as needed. Your agent can help you find boat insurance in Nashville or wherever you reside.

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