Boat and Marine Insurance in East Tennessee
Cherokee Lake, Nolichucky River, Watauga Lake, and Boone Lake draw boaters from across the region to the waters of East Tennessee. Whether you own a fishing boat, a pontoon, a ski boat, a personal watercraft, or a sailboat, a dedicated watercraft insurance policy provides protection that your homeowners policy almost certainly does not fully cover.
Most homeowners policies offer only limited property coverage for small watercraft and no meaningful liability coverage on the water. A standalone boat and marine policy is the right solution for anyone who spends real time on the water.
What Boat Insurance Covers
- Physical damage (hull coverage) — Collision damage, fire, theft, sinking, windstorm, and vandalism
- On-water liability — Bodily injury and property damage you cause to others while operating your vessel
- Medical payments — Medical expenses for you and your passengers after a covered accident
- Uninsured watercraft coverage — Protection if an uninsured boater causes damage to you or your boat
- Towing and emergency assistance — On-water towing if your vessel becomes disabled
- Personal property — Fishing equipment, electronics, water sports equipment, and personal belongings aboard
- Trailer coverage — Protection for the trailer used to transport your boat
Types of Watercraft We Insure
- Fishing boats and bass boats
- Pontoon and deck boats
- Ski and wakeboard boats
- Personal watercraft (jet skis and wave runners)
- Sailboats and canoes/kayaks (scheduled coverage)
- Houseboats and cruisers
Premiums vary based on the type, age, and value of your watercraft, how it is used, and where it is kept. Our agents at Vallie Insurance in Greeneville will help you find the coverage that makes sense for your time on the water.