Memphis Boat Insurance


Getting out of the city and onto the water in your watercraft can be a wonderful escape from the day-to-day Memphis bustle. But having fun on the water can also increase liability risks. There are dangers that come with sailing around others who may not be insured as well as you are, or at all. There are also the natural risks of weather changes and rocks or debris in the water, which can be avoided but not controlled.

With all of these in mind, let’s make sure your “financial boat” doesn't sink should you encounter rough waters.


The fact is, Memphis homeowner policies usually place numerous restrictions on boat owners, depending on the size and horsepower of your watercraft. The coverage that can be gotten by listing your boat on your Memphis homeowners policy may not be enough to properly cover both liability and damage repair or replacement, and will have an effect on your home’s coverage as well as your boat’s if a claim is bad enough.

In other words, if you don't carry a Memphis boat insurance policy, you may be underinsured. The best way to ensure that your boat is adequately insured is to get it its own policy. This secures your vessel’s safety in the case of damages and repairs or replacement, as well as having enough protection to cover any liability issues that result from an accident.


Typical coverages should include:

  • Personal liability - provides for payments to the repairs or replacement of other people’s property caused by your vessel, as well as any medical payments that may need to be made.

  • Boat – pays for repair or replacement of the vessel or its insured accessories.

  • Motor – pays for the repair or replacement of the motor due to damage in an accident or wear and tear over time.

  • Trailer – pays for the boat’s transport.

  • Medical and physical damage perils – as mentioned with liability, and medical issues that arise from a boating accident will incur costs and payments, which this helps with.

We also provide insurance for the following types of boats and personal watercraft:

  • Runabout
  • Mini Jet Boat
  • Sailboat
  • Pontoon
  • House Boat
  • Cabin Cruiser
  • Other Fishing Boat
  • Bass Boat


We also work with carriers who provide boat insurance discounts. Here are a few ways you may be able to save:

  • Own your Memphis home
  • Have idle assisted steering installed
  • Insure multiple vessels
  • Bundle other kinds of insurance
  • Are the original owner
  • Paid your Memphis policy in full each year
  • Have a clean automobile driving record
  • Have a Memphis safety course certification

There are even more ways to save on Memphis boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.


You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, Memphis insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your Memphis business or assets.

Contact us today, and we'll help you protect what matters most. Visit our Memphis location at 6187 Stage Road, Memphis TN 38134, Call us at (901)388-7283, Text us at (901)350-2874, or Email us at [email protected]