Boat coverage guide · Middle Tennessee
How Much Boat Insurance Do I Need?
Boat coverage comes down to the value of the boat, the liability you carry and the extras you use.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
Most boat owners want physical damage coverage that matches the boat’s value, liability for injuries or damage to others on the water, and coverage for the trailer and gear. How you value the boat and where you keep it both matter.
Coverage
Sizing your boat insurance, step by step
Work through these for your boat insurance. Rough answers are fine to start.
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1. Value the boat
Decide between agreed value and actual cash value. Ask how each works.
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2. Liability on the water
Think about guests, other boats and docks.
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3. Trailer and gear
Trailers, electronics and fishing gear may need to be listed.
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4. Medical payments
Can help with injuries to people on your boat.
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5. Towing and assistance
Breakdowns on the water happen. Ask about on-water towing.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to gather before you call about boat insurance
Having these nearby makes a boat insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Year, make, model and length
- Engine type and horsepower
- Where you keep the boat
- Who operates it
Around Middle Tennessee
What people often miss with boat insurance
Agreed value and actual cash value pay very differently after a total loss.
Lake storage, a lift or a marina slip can each change the conversation.
Old Hickory, Percy Priest and Center Hill bring a lot of boaters to the area. Where you launch, where you store the boat and who drives it all shape the conversation.
Sources: TWRA: Boating in Tennessee
Boater education
Tennessee has boater education requirements for some operators. Check TWRA for current rules.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
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
Middle Tennessee Boat Coverage Guide FAQs
Updated
Does homeowners insurance cover my boat?
Usually only in a very limited way, if at all. Most boats need their own policy.
What is agreed value?
A value you and the insurance company agree on when the policy starts, used if the boat is a total loss, subject to policy terms.
How much liability do boat owners need?
It depends on what you want to protect. An umbrella may extend over boat liability.
Is my trailer covered?
Often it can be added. Tell us about it.
Does it cover my personal watercraft?
Personal watercraft can usually be insured too.
What about guests driving my boat?
Tell us who operates the boat.
Is winter storage covered?
Ask us about your lay-up period.
Can you help me compare?
Yes. Call 615-562-5100.
Questions about your boat insurance?
Tell us a little about your situation and we’ll follow up about your boat insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about boat coverage guide 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