Boat Insurance in Tennessee — Sharp Insurance Agency

We specialize in Boat and Personal Watercraft Insurance across Tennessee.
Boats and PWCs are meaningful investments—and the best memories happen when you’re protected. Don’t rely on a generic add‑on to your homeowners policy. Get coverage designed for the water.

Sharp Insurance Agency will help make your time on the water relaxed and worry‑free. We’ll shop multiple carriers to find comprehensive protection for you, your passengers, your watercraft, and your gear—often for less than a dollar a day, depending on the craft and coverages.

Not sure what to look for in a boat policy? We’ll help you dial in the right limits and endorsements for how and where you boat.

Tennessee boat insurance coverages to consider

• Navigational Area
  • Know where you’re covered. Many carriers offer protection up to 75 miles off the U.S. coastline, into Canadian coastal/inland waters, and parts of Mexico’s Pacific coast. Coverage for additional areas can often be added—tell us where you cruise.
• Agreed Value Coverage
  • Boats depreciate like cars. With Agreed Value, if your boat is a total loss, you’re paid the amount insured (minus deductible), rather than depreciated “actual cash value.”
• Liability
  • Like auto insurance, this helps cover injuries and property damage you cause to others on the water—medical bills, lost wages, and repairs/replacement to third‑party property.
• Medical Payments
  • Helps pay for necessary medical care due to a boating accident—available in various limits (commonly $500 to $10,000). Covers you, your passengers, and even skiers/tubers, regardless of fault.
• Physical Damage
  • Helps repair or replace your boat, engine(s), permanently attached equipment, and often your trailer if stolen or damaged.
• Uninsured/Underinsured Watercraft Bodily Injury
  • If you’re injured by a boater with little or no insurance, this can help with medical treatment, lost wages, and related costs.
• Fuel Spill Liability and Wreckage Removal
  • If your vessel sinks or is badly damaged and leaks fuel, you may be legally responsible for cleanup and wreck removal—this coverage helps handle those expensive obligations.
• Personal Effects
  • Coverage for many on‑board personal items such as clothing, phones, fishing gear, and sports equipment. Limits and specifics vary by carrier and state; jewelry and furs are usually excluded.
• Unattached Equipment
  • Covers items not permanently attached but primarily used on a boat: anchors, oars, tarps, life‑saving equipment, fire extinguishers, water skis, and similar gear.
• Emergency Assistance
  • Towing, labor, and delivery of fuel, oil, or a loaned battery if you’re disabled on the water.
• Optional Enhancements
  • Hurricane/haul‑out reimbursement where available
  • Trailer and boat lift coverage
  • Fishing tournament fee reimbursement
  • Total loss replacement for newer vessels (select carriers)
  • Roadside assistance for boat/trailer

Boats we insure

• Bass boats, ski/surf boats, and runabouts
• Pontoons and tritoons
• Cruisers and cabin boats
• Personal watercraft (Jet Skis, WaveRunners, Sea‑Doos)
• Sailboats and select yachts (eligibility varies)
• Jon boats, aluminum fishing boats, and more

Get a Tennessee boat insurance quote

Tell us about your vessel, motor(s), storage, navigation area, safety gear, and prior boating experience. We’ll compare multiple carriers for value‑packed coverage and discounts.

• Phone: (865) 922-2744
• Email: info@sharpinstn.com
• Office: Knoxville, TN (Office currently in renovation)
• Service Area: Knoxville and all of Tennessee

Contact Sharp Insurance Agency today for a personalized Knoxville homeowners insurance quote and see how the right coverage, carrier, and price come together.