Tennessee Boat Insurance

Tennessee's rivers and lakes offer endless opportunities for boating enthusiasts. GEICO understands the unique needs of Tennessee boaters and provides comprehensive coverage options to match. With 24/7 customer support and digital tools, managing your policy is convenient and straightforward.

Our exceptional financial strength and commitment to customer service have earned the trust of thousands of boaters nationwide. If you're looking for affordable boat insurance that doesn't compromise on coverage, GEICO and BoatUS offer options tailored to fit your needs.

Is Boat Insurance Required in Tennessee?

Tennessee does not require boat insurance to legally operate a watercraft on its lakes and rivers. Marinas across Tennessee, including popular spots like Norris Lake and Pickwick Lake, often require proof of liability coverage before they’ll rent you a slip or dock space.

If your boat is financed, your lender will likely require comprehensive insurance to protect their investment. And even if no one’s asking to see your policy, boating without coverage can leave you vulnerable to costly repairs, medical bills, and legal claims in the event of an accident.

There are no state-issued penalties for going without boat insurance in Tennessee, but the potential financial risk is real. GEICO can help you stay protected with a policy that fits your lifestyle and budget.

Boat Insurance Limits and Deductibles

To make the most of your boat insurance, you’ll need to consider deductibles and policy limits. A deductible is the amount you pay out of pocket before your boat insurance covers a claim. Opting for a higher deductible often lowers premiums but increases potential costs for the insured in the event of an accident.

Coverage limits are the maximum an insurer will pay for a claim, so it’s essential to select limits that reflect your boat’s value, usage, and potential liabilities. Claims exceeding these limits could leave you responsible for any remaining costs. Boat insurance prices vary. Here’s a look at the key factors that affect your rate in Tennessee.

Tennessee Boat Insurance Coverage

From the calm waters of Percy Priest Lake to the winding Tennessee River, GEICO offers boat insurance coverage options designed to keep you protected wherever you drop anchor.

• Liability Coverage: Helps pay for property damage or bodily injury you may cause to others while operating your boat. GEICO’s policy also includes fuel spill liability coverage, which helps with cleanup costs after a covered spill or leak.
• Hull and Equipment Coverage: This coverage helps repair or replace your boat, motor, and onboard equipment if they’re damaged by a covered incident, such as collision, fire, theft, or severe weather.
• 24/7 Boat Towing: If your boat breaks down on the water, GEICO offers an optional 24/7 boat towing coverage through TowBoatUS. These emergency towing services are available around the clock to help you get back to shore safely. Learn about premium towing and how it can support you in emergency situations out on Tennessee’s lakes and rivers.
• Medical Payments: Provides coverage for medical expenses for you and your passengers after a covered accident, regardless of who is at fault.
• Uninsured Boater Protection: Offers protection if you’re injured in a boating accident caused by another boater who lacks sufficient insurance.

How Much Does Boat Insurance Cost in Tennessee?

Boat insurance costs in Tennessee can vary depending on a range of factors. GEICO considers your unique boating situation to provide a personalized quote that fits your budget.

Some of the biggest pricing factors may include:

• The type, size, and horsepower of your boat
• Number of engines and how the boat is powered
• Where and how often you use your boat
• Where you store your boat
• Installed safety features and anti-theft devices
• Your boating experience and claims history

GEICO also offers a variety of discounts to help you save more. You could lower your premium by bundling with an auto policy, completing a boating safety course, or maintaining a clean boating record. Every boat is different, and so is every policy. GEICO makes it easy to get coverage that’s both comprehensive and cost-effective.

Tennessee Boat Insurance Discounts

GEICO offers Tennessee boaters several ways to save on their insurance premiums without sacrificing coverage.

• Multi-Policy Discount - If you already have a GEICO auto policy, bundling it with your boat insurance can earn you valuable discounts.
• Boating Safety Course Discount - Completing a certified boating safety course, like the BoatUS Foundation safety course, not only makes you a safer boater but can also lower your insurance costs.
• No Loss Credits - Maintaining a clean boating record with no recent claims may qualify you for additional savings with GEICO.

With these discounts, GEICO helps make protecting your boat on Tennessee’s beautiful lakes more affordable.

Why GEICO is the Best Boat Insurance in Tennessee

GEICO stands out as a top choice for Tennessee boaters thanks to its reliable coverage, competitive rates, and outstanding customer service. Whether you’re enjoying the waters of Norris Lake, Percy Priest, or Reelfoot Lake, GEICO provides comprehensive protection tailored to your needs.

Our 24/7 claims support, easy-to-use mobile app, and fast claims process ensure you’re covered when it matters most. GEICO also offers flexible payment options and a variety of discounts to help keep your boat insurance affordable. Backed by decades of financial strength and expertise, GEICO delivers peace of mind for boaters across Tennessee.

Get a Free Boat Insurance Quote in Tennessee

Understanding both mandatory and optional boat insurance coverages is key to protecting yourself and your investment on Tennessee’s waterways. GEICO makes it easy to personalize your policy while taking advantage of available discounts that can save you money. Get started today and find the best coverage at a price that fits your budget.

Get a boat insurance quote now or speak directly with a boat insurance specialist.

Boat Insurance in Tennessee FAQs

• Do boats in Tennessee need to be registered?

  Yes, all motorized boats in Tennessee must be registered with the Tennessee Wildlife Resources Agency. Registration is required annually and is essential for legal operation on public waterways.

• What types of watercraft are covered by boat insurance in Tennessee?

  GEICO insures a broad range of watercraft, such as powerboats, sailboats, pontoons, personal watercraft, and fishing boats. Coverage options are tailored to meet the specific needs of your vessel.

• Does taking a boating safety course lower my insurance in Tennessee?

  Yes, Tennessee boaters who complete a state-approved boating safety course may be eligible for insurance discounts.

• Are all boaters in Tennessee required to wear a personal flotation device?

  Tennessee law mandates that every person on board a boat must have access to a U.S. Coast Guard-approved personal flotation device (PFD). Children under 12 are required to wear a PFD at all times while the boat is moving.

• Does homeowners insurance cover boats?

  Most homeowners insurance does not cover boats. In the case that it does, it often has restrictions regarding vehicle size and horsepower. To protect your boat from theft, accidents, and damage from fire or lightning, you need boat insurance. Boat insurance may also provide liability coverage if you accidentally injure someone or damage their property with your boat.