Comprehensive Boat Insurance in Franklin, Tennessee
Explore affordable boat insurance in Franklin, TN for fishing boats, yachts, jet skis, and more.
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There’s nothing quite like the freedom of the open waters, whether you’re cruising along the coast or exploring hidden lakes and rivers. Boating is an exhilarating way to connect with nature, and owning a boat brings endless adventures and memories.
We offer a variety of boat insurance products to ensure smooth sailing, no matter your style of boating. Whether you need coverage for your weekend fishing trips or require protection for extended voyages, our insurance agents will help you create a policy tailored to your specific needs and budget.
Navigate with Confidence
Our approach to boat insurance goes beyond offering standard policies. We understand that every boater’s needs are unique, so we take the time to evaluate your individual situation and craft a custom insurance solution that fits. Whether your vessel is a small fishing boat, a luxury yacht, or a custom watercraft, we’ll work tirelessly to create a coverage strategy that provides complete protection.
Discover why so many boaters rely on us to safeguard their time on the water. Interested in learning more? Talk to one of our experienced agents to explore your boat insurance options.
Do You Need Boat Insurance?
Yes. If you own a boat, insurance is essential for your protection. Like any vehicle, your boat faces potential risks, from liability claims to damage from accidents. It’s important to note that your homeowners or auto insurance typically won’t cover your boat. For instance, if your boat is damaged while stored in your garage during a storm, your homeowners insurance won’t cover the cost of repairs. Also, accidents or injuries involving your boat could result in costly liability claims if you’re not properly insured.
Is Boat Insurance Required for a Trailer?
Many insurance companies extend auto insurance to cover liability for trailers used to tow boats. However, this coverage may not apply to property damage. Once the trailer is detached from the vehicle, most companies do not extend liability or property damage coverage. It’s crucial to discuss with an agent whether your trailer requires a separate policy to ensure complete protection.
What Does Boat Insurance Cover?
Boat insurance offers protection for a variety of watercraft, not just traditional boats. We provide coverage for:
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Fishing boat insurance
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Speedboat insurance
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Jet ski insurance
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Yacht insurance
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Pontoon insurance
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Sailboat insurance
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Personal watercraft insurance
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Other watercraft
How Much Does Boat Insurance Cost?
Boat insurance, like auto insurance, varies depending on the value of your boat and the type of coverage you need. The higher the replacement cost of your boat, the higher your insurance premium will be. Since most boats are used seasonally or for recreational purposes, boat insurance is often affordable and provides valuable peace of mind.
Is My Boat Trailer Covered?
Boat trailers are not always automatically covered under your boat insurance policy. Some companies include coverage for your trailer as part of the policy, but not all do. It’s important to verify with your agent whether your trailer is covered or if you need a separate policy to protect it.
Have Questions About Boat Insurance?
Our agents are here to answer all your boat insurance questions and help you find the right coverage for your needs.