TN Boat-Personal Watercraft Insurance

TN Boat or Personal Watercraft May Not be Adequately Insured Under Your TN Home Insurance Policy.  There Are Many Boat Insurance Coverage Options in TN.

TN Boat Insurance Coverage Options

Bodily Injury and Property Damage Liability

Uninsured Boater

Medical Payments

Comprehensive and Collision Coverage

Personal Effects - Replacement Cost

On-Water Towing

Roadside Assistance

Fishing Equipment

Fuel Spill Liability

Wreckage Removal

Water Sports

Navigational Area

TN Bodily Injury and Property Damage Liability

In TN, Bodily Injury Liability and Property Damage Liability Coverage pays for property damage and/or bodily injury resulting from an accident where someone or something else sustains the damages. Back to Top of Page

TN Uninsured Boater Coverage

Uninsured Boater Bodily Injury coverage pays for your damages of bodily injury or property damage, including medical expenses, lost wages and other damages.  You, the insured, choose the limits for this coverage. Back to Top of Page

TN Medical Payments Coverage

Medical Payments Coverage pays for necessary medical treatment for you and those in your boat, resulting from a boating accident, regardless of fault. Coverage may apply to injuries sustained while water skiing or tubing. Back to Top of Page

TN Comprehensive and Collision Coverage

Comprehensive and Collision coverage will pay to replace or repair your boat if it is stolen or destroyed by a covered loss. You, the insured, will share in this loss by paying a deductible.

There are usually three options in insuring your boad against a total loss:

• Actual Cash Value - Pays the current market value of your boat at the time of loss.

• Agreed Value - This is a value that you, the insured, selects at the time the boat policy is issued.

• Replacement Cost - Will pay for boat replacement with the latest model if total loss occurs during first five model years. Back to Top of Page

NOTE:  These descriptions are intended as a guide only.  All the terms and coverages in your individual TN Boat Insurance Policy will apply.