Tennessee Watercraft Insurance
Protect your aquatic adventures with watercraft insurance
At Farm Bureau Insurance, we understand the thrill and sense of freedom that comes with riding on your watercraft. Whether you're cruising the waves of Percy Priest Lake, exploring the Tennessee River, or soaking in the scenery at Douglas Lake, your water adventures are a key part of your Tennessee lifestyle.
Flexible boat & watercraft coverages
Our watercraft policies are ideal for watercraft, motors, and trailers used exclusively for private recreational purposes.
Watercraft Liability
What’s covered?
Watercraft Liability Coverage can provide coverage for damage to other people's property or injuries sustained by others while you're enjoying your watercraft.
Why do I need this?
Unforeseen accidents can lead to unexpected expenses. Watercraft Liability Coverage provides the financial buffer you need, helping ensure you're not left with hefty bills after a covered incident.
Physical Damage
What’s covered?
From collisions to theft, Physical Damage Coverage can protect your watercraft against a range of perils.
Why do I need this?
Your watercraft is more than a possession; it's an investment in your lifestyle. Physical Damage Coverage safeguards that investment, helping ensure you can continue to enjoy your water adventures worry-free.
Medical Payments
What’s covered?
In the unfortunate event of an accident, this coverage can help pay your medical bills, as well as those of your passengers.
Why do I need this?
Even if you have health coverage, you may still have copays or deductibles, and this coverage may cover those expenses.
Our coverage extends to a wide range of watercrafts
Jet Skis and WaveRunners
Zip across the water with confidence by protecting your jet ski or WaveRunner against accidents, theft, and more. Our coverage helps ensure you can embrace the thrill of these agile watercrafts worry-free.
Boats and Personal Watercraft (PWC)
Whether you're cruising in a powerboat, sailing vessel, or another type of watercraft, our insurance is tailored to suit various boat types.
Here for you whenever, wherever you go
Download your proof of insurance, pay bills, file a claim, and manage your policies in one place with My Account.
When you're ready, protect what matters most
Common questions about watercraft insurance
Are there exclusions to what can be covered?
Our watercraft insurance has exclusions. Some examples include:
Watercraft used for commercial purposes or to transport passengers or goods for a fee
Watercraft used for business activities
Participation in pre-arranged or organized racing or speed contests
Watercraft with motors exceeding the manufacturer’s recommended horsepower
Watercraft not primarily garaged or moored in the state of Tennessee
Not sure what kind of coverage you need?
Speak with a local Farm Bureau Insurance agent today.
