There’s nothing like a beautiful day out on the water. If you own a boat, chances are that’s how you’re spending a lot of your time. Whether you’re river cruising or searching for the perfect fishing spot, your watercraft is the key to your outdoor adventures. But does it have the protection it needs?
While Tennessee requires boats to be registered and education classes for residents born after January 1, 1989, it doesn’t require boat insurance. At Farm Bureau Insurance of Tennessee, we believe in planning and protection for peace of mind. Here’s why you should consider a watercraft insurance policy.
The Basics of Boat Insurance
Your auto and home insurance policies do not cover any watercraft you own. If you don’t have a separate policy for your boat, then it isn’t covered. So, what coverage does a boat insurance policy offer?
• Watercraft liability insurance can help cover expenses if you are found legally liable for damage to other people’s property or injuries sustained by others while enjoying your watercraft. Accidents happen, and this coverage can help make sure you don’t get hit with unexpected costs after a covered incident.
• Physical damage coverage can help cover a range of perils, from theft to collisions, that physically damage your watercraft.
• Medical payments coverage can provide funds to help pay medical bills for yourself or others in the event of an accident. Even with health insurance, hospital visits can be costly.
What Kinds of Boats Are Covered?
At Farm Bureau Insurance of Tennessee, our policies can extend to many types of watercraft that are used exclusively for private, recreational purposes. This could include pontoons, small fishing boats, sailing vessels, or personal watercraft.
Choosing the Right Policy
The bottom line is this: Having the right boat insurance policy protects your investment in your watercraft, as well as you and your passengers. Choosing boat insurance is a smart, financially sound decision.
Farm Bureau Insurance of Tennessee offers flexible watercraft coverage to meet your needs. To learn more about our policies, contact local agent Dana Pumariega today at 865-247-6517.
Hardin Valley Farm Bureau Insurance
10851 Hardin Valley Road
Knoxville, TN 37932
865.247.6517
fbiTN.com