Hero Image

Need Boat Insurance in Tennessee?

Tennessee’s Top Choice for Boat Insurance

Tennessee offers endless opportunities for boating enthusiasts. From the Great Smoky Mountains to the Mississippi River, there are countless lakes, rivers, and waterways to explore.

Start your FREE quote

At Ahoy! we specialize in recreational boat insurance – in fact, it’s the only thing we do! We understand the unique needs of all boat owners in Tennessee and provide comprehensive boat insurance coverage for all types of boats – from small fishing boats and power boats, to sailboats, large cabin cruisers & more! We are proud to be the top choice for boating insurance in MD, offering affordable rates and unparalleled customer service. With Ahoy!, you can rest assured that your vessel is fully protected from any potential risks.

Is Boat Insurance Required in Tennessee?

While boat insurance is not mandatory in Tennessee, it is highly recommended for all boat owners. Accidents can happen on the water just as easily as they can on land, and having proper insurance coverage can protect you from significant financial losses. Additionally, many marinas and yacht clubs require proof of insurance before allowing boats to dock or moor. Without insurance, you may not be able to access these facilities, limiting your boating options. And if you plan on financing your boat, most lenders will require insurance coverage for the duration of the loan.

Hero Image

Tennessee Boating Insurance Made Easy

At Ahoy!, our boat insurance in Tennessee leverages the latest technology to customize and simplify coverage, making it easy and enjoyable to insure your vessel. As leaders in boat insurance innovation, Ahoy! covers modern challenges- and our phone overboard coverage can reimburse you if your phone tumbles into the water* With Ahoy!, you can explore Tennessee’s waters with confidence, knowing you’re protected from both traditional risks and today’s unique boating needs. Trust Ahoy! for the best boat insurance in Tennessee.

Start a FREE Quote!

Hero Image

What Types Of Boat Insurance Does Ahoy! Offer?

Ahoy! proudly provides boat insurance coverage for a wide range of boats. For boats with the following specifications we offer fully-digital policy quoting and binding process which eliminates the haggle and hustle of traditional insurance purchasing:

  • Maximum length of 50 feet (45 feet for boats aged 30-40 years)
  • Age limit of up to 40 years with a value cap of $500,000
  • For single or dual-engine boats, a maximum of 500HP per engine, and for triple-engine vessels, a total horsepower ceiling of 1050HP (with a maximum of three engines)

We also insure boats over between 50 to 95 feet and/or between $500,000 and $2,500,000.


Hero Image

For starting a quote for these please contact us
by phone (1-855-289-2469),
chat www.ahoy.insure, or e-mail [email protected]

Hero Image

Our Tailor-made Coverage Options Include:


Liability Coverage:

This type of coverage protects you in case of a boating accident where you are held responsible for causing damage or injury to another person or their property. It ensures that the costs of repairs, medical expenses, and legal fees are covered, giving you peace of mind while you enjoy your time on the water. It can also cover incidents that occur while the boat is docked or being transported, offering comprehensive protection for a variety of situations.


Comprehensive and Collision:

This coverage protects your boat from accidents, natural disasters, and theft. It covers repair or replacement costs, ensuring you can get back on the water quickly. Additionally, it offers peace of mind by protecting against financial loss, whether your boat is docked or out at sea, allowing you to enjoy your time on the water without worry.


Uninsured/Underinsured Boater Protection:

While on the water, you might encounter an uninsured or underinsured boater, potentially leading to an accident where you're not at fault. This insurance provides a crucial buffer in such situations, covering expenses that the at-fault party cannot. It adds an essential layer of financial security, ensuring your boating adventures remain unblemished by unexpected costs.


Medical Payments:

This coverage pays for medical expenses resulting from a boating accident, regardless of who is at fault. It covers injuries sustained by you or your passengers while on your boat.


On-Water Towing:

This type of coverage provides reimbursement for towing expenses if your boat encounters mechanical problems while on the water. It ensures you're not stranded and helps cover the costs of getting your boat to safety.


Fishing Equipment:

This insurance coverage protects your valuable fishing equipment on your boat. It covers loss or damage to fishing gear from accidents, natural disasters, or theft. Secure your fishing gear with comprehensive boat insurance and fish with peace of mind.

In Tennessee, we provide comprehensive coverage that includes Roadside Assistance, Boat Rental Reimbursement, and protection for personal belongings, ensuring you can enjoy your travels with peace of mind.

Worry-Free Boating in Tennessee with the Ahoy! Mobile App and Boat Insurance

Boating transcends a mere hobby and becomes an integral part of your lifestyle, creating memorable experiences with family and friends. With Ahoy! Insurance’s mobile application, you can manage all aspects of boat insurance from the convenience of your smartphone.

Dive into our ‘Overboard Phone Protection’ feature. With the Ahoy! App operational or idling in the background, we act as your maritime investigator, verifying if your phone has unexpectedly taken a plunge. But that’s just the tip of the iceberg: our ‘Weather Information and Alerts’ function keeps you abreast of meteorological conditions, providing timely notifications to keep you ahead of the weather. Furthermore, our ‘Self Inspection’ feature allows you to conduct self assessment of your boat effortlessly, rewarding you with an enticing $100 reduction on your deductible each year. Our goal is to make your boating time as worry free, safe, and delightful as possible!

Hero Image

Tennessee Sailboat Insurance:

For sailboat enthusiasts in Tennessee, Ahoy! offers specialized coverage tailored to the unique needs of sailors. With our comprehensive coverage options and top-notch customer service, you can set sail with peace of mind knowing your vessel is protected.


Insurance for Powerboats in Tennessee:

Ahoy! Insurance offers coverage options tailored to protect your investment and ensure worry-free boating in the beautiful waters of Tennessee. As a popular destination for powerboaters, Tennessee has you covered with Ahoy!


Insurance for Fishing Boats in Tennessee:

With its breathtaking lakes and rivers, Tennessee is a paradise for fishing enthusiasts. Protect your fishing boat and gear with Ahoy! Insurance's specialized coverage options, tailored to meet the unique needs of fishermen in Tennessee.


Insurance for Cabin Cruisers in Tennessee:

Cabin cruisers are a popular choice among boaters in Tennessee, offering a comfortable and luxurious way to explore the state's waterways. With Ahoy! Insurance's comprehensive coverage options, you can enjoy your time on the water without worrying about unexpected costs or damages.


Tennessee Bass Boat Insurance:

Bass fishing is a popular pastime in Tennessee, and with Ahoy! Insurance's specialized coverage options, you can protect your bass boat and its equipment from any accidents or damages. Hit the waters with peace of mind knowing that you are covered by our comprehensive insurance.


Boat Insurance for Center Console Vessels in Tennessee:

Center console boats are a popular choice for boaters in Tennessee, offering versatility and functionality. With Ahoy! Insurance's specialized coverage options, you can protect your center console vessel and its equipment from any accidents or damages. Enjoy your time on the water without worrying about unexpected costs or losses.


Yacht Insurance in Tennessee

Tennessee’s larger lakes are suitable for Yachts, and they can be a great way to take advantage of sunshine and blue waters. From damage repair to liability protection, Ahoy! understands the intricacies of yacht ownership. Set sail knowing that your investment is protected with Ahoy!'s yacht insurance, allowing you to focus on the horizon ahead with peace of mind.

Boat Insurance FAQ

Coverage Details in Boat Insurance Policies

What is included in my boat insurance policy?

Boat insurance typically covers damage from collisions, fires, theft, lightning, or vandalism, whether on water or land. This includes the boat, its motor, and attached equipment like anchors. It also offers liability coverage for expenses from accidents involving your boat. This can include bodily injury liability, covering medical bills and related costs if someone gets hurt because of your actions, and property damage liability, for damages to others’ boats or property.

Is Insurance Necessary for Less Expensive Boats?

Regardless of your boat’s value, insurance is crucial due to the potential risks involved in boating, like accidents leading to injuries or property damage. Boat insurance can save you from paying these costs from your OWN pocket.

Homeowners Insurance Coverage for Boats

Does Homeowners Insurance Cover My Boat?

Typically, homeowners insurance offers limited coverage for small boats, but not for personal watercraft like jet-skis. The coverage is often restricted to around $1,000 or 10% of your home’s insured value and usually doesn’t include liability coverage.

Off-Season Boat Insurance Coverage for Boats

Should I Insure My Boat During the Off-Season?

Even when not in use, risks like theft or fire persist throughout the year. Keeping your boat insurance active in the off-season protects against these risks, saving you from potential out-of-pocket expenses for damage or theft during these months.

Understanding Boat Insurance Costs

What are the factors that determine the cost of boat insurance?

Boat insurance costs hinge on several key factors, including the boat’s type, size, age, and value, which affect the potential cost of repairs or replacement. The owner’s experience and history of claims can influence rates, too, as insurers gauge the risk level based on past incidents.

Policy choices play a part as well; comprehensive coverage costs more than basic liability, but opting for a higher deductible can reduce the premium. Additionally, safety courses or other qualifications may unlock discounts, demonstrating to insurers a lower risk of accidents.

To learn more, visit Ahoy’s FAQ page

A Step by Step Guide to Boat Insurance in Tennessee with Ahoy!

Step 1 Image

Step 1:

Get a quote and Pay

Leveraging our seamless sign-up process, get the most modern-minded, tech-driven boating insurance policy out there in just under 10 minutes.

Step 2 Image

Step 2:

Download our app

Now that you are an Ahoy! crew mate, download our mobile app, easily scan photos of your boat for lower claim deductibles and help in case of theft.

Step 3 Image

Step 3:

Sail away!

Sail away into the horizon. Feel fully at peace knowing that our technology-powered mobile app is looking out for you.

Step 4 Image

Step 4:

We are there for you

If there is an incident, we got your back. Our 24/7 First Mate is there for you every step of the way to help resolve any issues or if you need to file a claim.

We are fast!

Get your boat insurance policy in under 10 minutes!

Get a Quote!