Boat insurance · Lebanon, TN
Boat Insurance for Lebanon and Wilson County Boaters
From a bass boat parked by the barn to a pontoon that comes out every summer weekend, I’ll help you insure your boat for the drive, the ramp and the day on the water.
Dustin Rodgers and team
Serving Lebanon from our Mt. Juliet office
Your local agent
Coverage that goes from the driveway to the lake
Around Lebanon, a boat might be a fishing rig on a trailer out back, a family pontoon or a jet ski that only sees July. Each one needs coverage that follows it from home, down the highway and onto the lake. A boat policy can protect the boat itself and your responsibility to other people on the water, which a homeowners policy usually handles in a very limited way, if at all. I’ll help you decide what to cover and how the boat should be valued.
Coverage
What Lebanon Boat Insurance Can Cover
Every boat policy reads a little differently. Depending on the options you pick, it can include:
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Hull, motor and equipment
Can help pay for repairs or a replacement after a covered accident, fire, theft or storm, based on how the boat is valued on the policy.
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Liability to others
Can help if you’re responsible for hurting someone or damaging another boat, a dock or other property, including legal defense, up to your limits.
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Medical payments
Can help with medical bills for people aboard after a covered accident, within the policy’s limits.
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Uninsured boater
Where offered, can help if you or your passengers are hurt by a boater who has little or no insurance.
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The trailer
Can help with damage to the trailer that carries the boat to the ramp, depending on the policy.
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Stored off-season
Coverage can continue while the boat sits in a garage, barn or storage lot, subject to the policy’s terms.
Boat coverage is subject to policy terms, underwriting and availability. Wear and tear, mechanical breakdown, gradual deterioration and damage from lack of maintenance are generally excluded unless the policy states otherwise. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
Details That Shape Your Policy
When we talk, I’ll ask about a few things:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- What you run: bass boat, pontoon, deck boat, ski boat or personal watercraft
- The boat’s year, length and horsepower
- Where it stays between trips: a barn, garage, carport, storage lot or a slip
- Which lakes you usually head to, and whether it ever travels farther
- Everyone who drives it, including teens and their TWRA boating education
Around Lebanon
Lakes Within Reach of Lebanon
Old Hickory Lake, a U.S. Army Corps of Engineers lake on the Cumberland River, lies north and west of Lebanon. The Corps’ Laguardo and Cedar Creek recreation areas are among the spots on the Wilson County side of the lake.
J. Percy Priest Lake is a separate lake on a separate river. The Corps built it on the Stones River, not the Cumberland, and it reaches into Davidson, Rutherford and Wilson counties. From Lebanon, it’s a drive southwest.
Before a motorboat goes in the water in Tennessee, TWRA generally expects it to be registered, and many operators born after January 1, 1989 need a boating education certificate. Those answers help me set up your policy, so I’ll ask about both.
Sources: U.S. Army Corps of Engineers: Old Hickory Dam and Lake · Recreation.gov: Laguardo, Old Hickory Lake · Recreation.gov: Cedar Creek, Old Hickory Lake · U.S. Army Corps of Engineers: J. Percy Priest Dam and Lake · TWRA: Boating in Tennessee · TWRA: Boating education requirement
Where does the boat spend the winter?
If it sits in a barn, a shed or a storage lot around Lebanon between seasons, tell me where. Where a boat is kept can matter for theft and fire coverage, and a quick update keeps your policy matched to where the boat really is.
Areas we serve
Areas I Serve
I work with boaters, anglers and families in Lebanon (37087 and 37090), Watertown, Mt. Juliet and across Wilson County.
Our only office is on Providence Pkwy in Mt. Juliet, just off I-40 at Mt. Juliet Rd, a straight shot west from Lebanon. Many questions can be handled by phone or email, and you’re always welcome to stop by.
Closer to Watertown? See boat and watercraft coverage in Watertown.
Why a local agent
Why Lebanon Boaters Call My Office
- Wilson County roots: we know the roads from Lebanon to Laguardo and Cedar Creek.
- One look at everything: the boat, the truck that pulls it and your home, reviewed together.
- Updates anytime: a new motor, electronics or a second boat is a quick call.
- Help with a claim: my office can walk you through the first steps.
- Easy to reach: our Mt. Juliet office is right off I-40, just west of Lebanon.
Reviews
What Lebanon Neighbors Say
Boaters, anglers and other Wilson County clients have shared how my office treated them. Read their Google reviews, or leave one of your own.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Lebanon Boat Insurance FAQs
Updated
Which lakes does a Lebanon boat policy cover?
Boat policies usually describe where the boat can be used, often called a navigation area. Tell me which lakes you use, including Old Hickory, Percy Priest and anywhere you trailer the boat, so we can check the policy’s terms.
Can my boat just go on my homeowners policy?
Some homeowners policies extend a little coverage to small, low-horsepower boats, usually with low limits and limited liability on the water. For most motorboats, pontoons and jet skis, a separate boat policy is the better fit. I’m happy to look at what you have now.
My boat sits in a barn most of the year. Is it covered there?
A boat policy can cover the boat while it’s stored, depending on the policy, and the building itself falls under your home or farm coverage. Let me know where the boat is kept so the policy reflects it.
Is boat insurance required in Tennessee?
State law doesn’t generally require it, but a lender, a marina or a storage lot may. Even when nobody requires it, liability coverage is worth having if you’re ever responsible for someone getting hurt or another boat getting damaged.
I just bought a used boat from a private seller. What should I do first?
Handle the TWRA registration, then call me before the first trip out so coverage can be in place. Have the hull ID number, year, make, length and motor details ready, and we’ll talk about how the boat should be valued.
What if a guest gets hurt on my pontoon?
Liability coverage can help if you’re responsible for the injury, and medical payments coverage can help with medical bills for people aboard, depending on your limits and the policy terms.
My teenager wants to drive the boat. What do I need to know?
TWRA requires a boating education certificate for many operators born after January 1, 1989 who run a motorboat above a set horsepower. Check TWRA’s rules for your situation, and tell me who will be driving so they’re listed correctly.
Is the boat covered while I’m pulling it on Hwy 109 or I-40?
Your auto policy generally handles liability for the vehicle doing the towing. Damage to the boat and the trailer usually falls under the boat policy, depending on its terms. I’ll make sure the two line up.
Can fishing gear and electronics be covered?
Rods, tackle, fish finders and trolling motors may be covered with the right options, subject to limits. Let me know roughly what you carry so we can choose sensible coverage.
What do I need for a Lebanon boat quote?
The year, make, length and horsepower, the hull ID if it’s handy, where the boat is stored, which lakes you use and who drives it. Then call 615-562-5100 or fill out the form.
Get a Lebanon Boat Insurance Quote
Call 615-562-5100 or send the form below. It helps to know the boat’s year, make, length and horsepower, where it’s kept between trips, and who usually drives it.
Stop By or Call Our Mt. Juliet Office
Have a question about boat insurance or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed