Boat Insurance
Get a Boat Insurance Quote Today!
Do I really need boat insurance?
Yes! Many marinas and lenders require it, and home insurance won’t fully cover your boat. Boat insurance protects against accidents, theft, storms, and liability claims.
What does boat insurance cover?
Most policies include:
Liability coverage – Pays for damage or injuries you cause to others.
Physical damage – Covers repairs or replacement if your boat is damaged or stolen.
Medical payments – Helps with injury-related costs for you and your passengers.
Uninsured boater coverage – Protects you if another boater without insurance causes an accident.
Is my boat covered everywhere I go?
Policies vary, but most cover boating in U.S. waters. If you plan to take your boat offshore or internationally, you may need extra coverage.
Does boat insurance cover my trailer and gear?
Standard policies may not cover trailers, fishing equipment, or personal belongings. We can add optional coverage to protect these items.
What if my boat sinks or is damaged in a storm?
If you have comprehensive coverage, your policy helps repair or replace your boat after storms, fire, or other disasters.
Can I insure my boat year-round, even if I store it in winter?
Yes! A lay-up policy can reduce costs while keeping your boat protected in storage from theft, fire, and other risks.
Why choose Hutsenpiller Insurance?
Independent and Local: As an independent insurance agency, we work for you, not the insurance companies. This allows us to offer a wide range of options from multiple top-rated insurers, ensuring you get the best coverage at the most competitive rates.
Personalized Service: Our team takes the time to understand your specific situation and tailor insurance plans that fit your lifestyle and budget.
Experienced Agents: With years of experience in the industry, our knowledgeable agents are here to guide you through the insurance process, making it simple and hassle-free.
Community-Focused: We are proud to serve the residents of Tennessee, and our commitment to the local community sets us apart.
Boat Insurance Coverage
We offer the following options;
- Liability Coverage – Pays for injuries or property damage you cause to others while operating your boat.
- Physical Damage Coverage – Covers repairs or replacement if your boat is damaged in an accident, storm, or theft.
- Comprehensive Coverage – Protects against non-collision risks like theft, fire, vandalism, and weather damage.
- Uninsured/Underinsured Boater Coverage – Covers medical expenses and damage if you're hit by a boater without insurance.
- Medical Payments (MedPay) – Pays for medical costs if you or your passengers are injured in a boating accident.
- Agreed Value vs. Actual Cash Value (ACV) – Agreed Value pays a set amount for your boat; ACV factors in depreciation.
- Towing & Assistance Coverage – Covers emergency services like fuel delivery, towing, or on-water breakdowns.
- Lay-Up Policy – Reduces coverage during off-season storage while keeping protection against theft and damage.