Protect Your Boat And Those On Board

We may be land-locked, but Tennessee is home to a great deal of very enthusiastic recreational boaters. Whether you do your boating on the scenic lakes and rivers here in Tennessee or you travel to the coast to boat and fish, your boat and those aboard it should be protected with comprehensive insurance. Elite Insurance Solutions can cover your boat in one of two ways—by adding additional coverage onto your homeowner’s policy, or by taking out a policy from a carrier who specializes in marine and boat insurance. Either way, we will shop around to find you the very best deal on the very best Tennessee boat insurance.

Do You Have To Have Boat Insurance In Tennessee?

The short answer is no. Tennessee law does not require boat owners to carry insurance. However, there are plenty of good reasons for choosing to carry boat insurance.

Here are a few reasons to have boat insurance in Tennessee:

  • Protect against boat theft. According to the Tennessee Wildlife Resources Agency, millions of dollars in insurance claims are made each year due to the theft of boats, motors, trailers, and an array of associated equipment.
  • Protect against fuel spill damages. Boat insurance will protect you from the high cleanup costs associated with a boating mishap that’s resulted in a fuel spill.
  • Protect against noncontact accidents. Because you may be responsible for your boat’s wake, you could be liable for damage caused when a wave your boat created capsizes another boat.
  • Protection off the water. If your boat is parked at a marina and catches fire, leaks fuel, or clips another boat, boat insurance can cover you in all these situations and more.

Recreational Marine Insurance Products Available

Elite Insurance Solutions offers the following kinds of boat and marine coverage:

  • Small boat insurance
  • Yacht insurance
  • Mega-yacht insurance
  • Classic boat insurance
  • High performance boat insurance
  • Charter insurance
  • Trawler insurance
  • Personal watercraft insurance
  • Houseboat insurance
  • Sportfishing insurance

For information on commercial marine coverage, please click here.

For more information on recreational boat or any other type of coverage, visit our Locations & Contact page and find the Tennessee location and agent nearest you. Our agents are ready and waiting to help you create the perfect customized coverage plan for you and your family.


If you have a motorcycle in Tennessee, you definitely need motorcycle insurance to keep you legal and to provide more peace of mind. Ask us about our other personal insurance coverages, too.

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Our company has been insured with Elite Insurance Solutions since 2010, and have been solicited by other insurance agencies each year, but I have stayed with Elite for the following reasons:

-Quick response time- when I call my agent, Barhyt Henry, he always responds quickly and efficiently.
-Care- in 2011 when the huge hail storm came through our area, Barhyt called ME to see if I had any damage to equipment and to check on me. He has also been a huge advocate for our company during a recent workers comp claim, and been a wonderful mediator between us and the company.
-Maintenance- each renewal, my agent shops my insurance needs with his other companies to find me the best price and provides sound advice when needed.

Barhyt and Elite make my insurance needs their priority, and I appreciate all they do for me and my company.

~ Gretchen Wilkerson