Boat · TN, MS & AR
Sardis, Pickwick, Ross Barnett, Greers Ferry, the rivers, and the Gulf. Wherever you put in, the boat and the people on it deserve real coverage.
Your homeowners policy gives a boat very little. A boat policy is built for the water.
The boat itself: hull, motor, and permanently attached equipment. Collision, storms, fire, sinking, and theft.
Core coverageInjury or damage you cause on the water: another boat, a dock, a swimmer. The coverage that protects everything you own on land.
Core coverageMedical bills for people hurt on your boat, paid regardless of fault. Skiing and tubing count.
RecommendedNone of the three states requires boat insurance, so plenty of boats around you carry none. This fills that gap after a collision.
RecommendedCoverage for the trailer and for the boat while it's being towed. Those are the riskiest miles many boats ever travel.
OptionalFishing gear, electronics, water toys. Optional coverage for what's aboard but not bolted down.
OptionalWhat the law requires here is very little. What the water can do is another story.
Neither Tennessee, Mississippi, nor Arkansas requires insurance for recreational boats. Marinas and lenders usually do, and liability risk exists either way. Source: state boating agencies of TN, MS, and AR.
Home policies typically cap boat coverage at small limits and exclude most watercraft liability. A boat needs its own policy. Industry standard.
If the boat sits out for part of the year, lay-up periods can lower the premium without dropping storm and theft protection. Industry practice.
Named-storm plans matter on the coast: where the boat sits, how it's secured, what the policy expects of you. Sort it out in spring, not September. Industry practice.
A few details about the boat and where it lives. A rate in minutes.