Boat insurance · Mt. Juliet, TN
Boat Insurance for Old Hickory and Percy Priest Lake Weekends
Mt. Juliet sits between two big lakes, so a lot of my neighbors own a pontoon, a ski boat or a personal watercraft. I’ll help you insure yours the way you actually use it.
Dustin Rodgers and team
Local boat insurance help from our Mt. Juliet office
Your local agent
Two lakes, one local agent
Old Hickory Lake to the north and Percy Priest Lake to the south are a big part of why people love living in Mt. Juliet. They’re also why boat coverage questions come up so often in my office. Your homeowners policy may offer little or no coverage for a boat of any real size, and it often won’t cover liability on the water. Whether you keep a pontoon in a slip or trailer a bass boat to the ramp, let’s talk about what you run and how you use it.
Coverage
What Boat Insurance Can Cover
Boat policies vary more than most people expect. Depending on the policy you choose, coverage can include:
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Physical damage
Can help repair or replace your boat, motor and permanently attached equipment after a covered loss, like a collision, fire or storm.
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Boating liability
Can help if you’re found responsible for injuring someone or damaging another boat or a dock, including defense costs, up to your limits.
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Medical payments
Can help with medical bills for you and your passengers after a covered accident on the water.
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Uninsured boater
Where available, can help if you’re injured by a boater who has no insurance.
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Trailer and equipment
Your trailer, fishing gear, electronics and water toys may be covered with the right options.
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Towing and assistance
Some policies include on-water towing or help if you’re stranded, subject to limits.
Boat coverage is subject to policy terms, underwriting and availability. Agreed value, navigation areas, racing and rental use vary by policy; nothing here is a quote. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
Questions That Shape a Boat Policy
A pontoon on Old Hickory and a wake boat on Percy Priest can need different setups. These are the details I’ll ask about:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Agreed value or actual cash value for the hull and motor
- Where the boat is kept: a marina slip, a lift, a trailer in the driveway or storage
- Who drives it, and whether they’ve completed Tennessee boating education
- Personal watercraft, tubes and towed water sports
- Whether you ever take it beyond Middle Tennessee lakes, such as to the coast
Around Mt. Juliet
Boating Around Mt. Juliet
Old Hickory Lake, a U.S. Army Corps of Engineers lake on the Cumberland River, lies to the north. J. Percy Priest Lake, which the Corps built on the Stones River, lies to the south.
Tennessee requires mechanically powered vessels to be registered with TWRA. Tennessee residents born after January 1, 1989, generally need a TWRA boating safety certificate to operate a motorboat over 8.5 horsepower, with some exceptions.
Busy summer weekends, changing water levels and storms that pop up in the afternoon are all part of lake life here. It’s worth knowing your liability limit and how your policy handles a boat on a lift or in a slip when a storm comes through.
Sources: U.S. Army Corps of Engineers: Old Hickory Dam and Lake · U.S. Army Corps of Engineers: J. Percy Priest Dam and Lake · TWRA: Boating in Tennessee · TWRA: Boating education requirement
Before the season starts
Check your registration decals, make sure younger drivers have their TWRA boating safety certificate, and let me know about any new motor, electronics or water toys. It’s a quick call that keeps your policy current.
Areas we serve
Areas I Serve
I work with boaters in Mt. Juliet, Hermitage, Old Hickory, Lebanon, Gallatin, Hendersonville, Watertown and across Middle Tennessee.
Our office is in the Providence area, just off I-40 at Mt. Juliet Rd, so it’s an easy stop whether you’re coming from Lebanon Rd, Hermitage or the lake side of town.
Closer to a neighboring town? See boat insurance in Hermitage, Nashville boat insurance and boat and watercraft coverage in Gallatin.
Why a local agent
Why Boaters Work with a Local Agent
- We know these lakes: slips, lifts, ramps and storm season on Old Hickory and Percy Priest come up in our conversations all the time.
- Coverage matched to use: pontoon, bass boat, wake boat or PWC: each one can need something different.
- Boat, home and auto together: plus an umbrella, reviewed in one conversation.
- Help after a loss: my office can help you understand the next steps with a claim.
- Close to the water: our office is on Providence Pkwy, between the two lakes.
Reviews
What Mt. Juliet Neighbors Say
Boaters, families and longtime neighbors have shared what it’s like to work with my office. Read their reviews on Google, 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
Mt. Juliet Boat Insurance FAQs
Updated
Does my homeowners policy cover my boat?
Homeowners policies often provide limited coverage, if any, for boats, especially larger or faster ones, and usually little or no liability coverage on the water. A separate boat policy is designed for that. We can look at what your current policy says.
Is boat insurance required in Tennessee?
Tennessee requires registration for mechanically powered boats, but state law doesn’t generally require boat insurance. A lender may require it if the boat is financed, and many marinas require liability coverage to rent a slip. Either way, it’s worth having.
What’s agreed value versus actual cash value?
With agreed value, you and the insurer settle on the boat’s value when the policy is written, and that value is used for a covered total loss, minus the deductible. Actual cash value subtracts depreciation at the time of the loss. Which is available depends on the boat and the policy.
Who needs a Tennessee boating safety certificate?
TWRA says Tennessee residents born after January 1, 1989, need a TWRA boating safety certificate to operate a vessel over 8.5 horsepower, unless a qualifying adult is aboard and able to take control. Check TWRA for the current rules and exceptions.
Are friends covered when they drive my boat?
Many boat policies extend coverage to people you allow to operate the boat, but some limit inexperienced or younger operators. Tell me who drives it so the policy is set up correctly.
Does boat insurance cover tubing and water skiing?
Liability coverage for towed water sports is included on some policies and limited on others. If your family tubes, skis or wakeboards, mention it so we choose coverage that addresses it.
What about my boat while it’s on the trailer or the lift?
Physical damage coverage often applies on a trailer or lift, subject to the policy’s terms. The trailer itself may need to be listed. Storm damage while on a lift is a common question here, so we’ll look at your policy’s wording.
Do I need separate coverage for a jet ski or other PWC?
Personal watercraft are often insured on their own policy or listed separately, and some policies have specific rules for them. Tell me about every watercraft you own.
What do I need for a boat insurance quote?
The year, make, model, length and hull ID number; motor details; purchase price or value; where it’s kept; who drives it; and any boating education certificates. Then call 615-562-5100 or use the form.
Get a Mt. Juliet Boat Insurance Quote
Call 615-562-5100 or use the form below. Have the year, make, length and hull ID, the motor details, where it’s kept and who 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