On the road & water

Boat & watercraft insurance in Tennessee

Plan for the water, the trailer, and the time in between.

Illustration of a sailboat with ivory and terracotta sails on calm water.

Boat insurance decisions involve more than the hull value. Richard Moore Insurance Agency offers boat and watercraft insurance discussions for Tennessee owners. Explain the vessel, its use, and any marina or lender requirements when requesting options.

What to discuss

A closer look at the coverage.

The boat and equipment

Discuss hull, motor, trailer, and permanently installed equipment. Ask about valuation, deductibles, and any special limits.

Liability on the water

Review liability limits and any relevant passenger, operator, or water-sports exposures. Ask how an umbrella policy would coordinate.

Use and storage

Describe navigation area, seasonal storage, transportation, and any lending or rental activity. Do not assume an everyday policy permits every use.

Come with questions

Ask before you decide.

Is the trailer insured, and under which coverage?
What geographical or seasonal restrictions apply?
Are towing, recovery, or wreck removal included or available?

A useful starting point

What to have handy.

Boat, motor, and trailer details
Operator experience and intended use
Storage location and current coverage

Please use the agency’s quote form for requested personal information. Avoid sending sensitive documents through ordinary email.

Keep the policy details in view

A home or auto policy should not be assumed to fully cover a boat. Watercraft policies differ in covered property, navigation limits, valuation, and exclusions.