Boat & Watercraft Insurance in Hendersonville, TN—Protect Your Time on the Water

Coverage That Keeps You Confident on the Water

Boat insurance isn’t required by Tennessee law, but that doesn’t mean you should go without it. Accidents, injuries, and property damage can happen quickly—especially during busy summer months on Old Hickory Lake. Boat and watercraft insurance helps protect you financially, meet marina or lender requirements, and keep your boating season stress-free.



Whether you own a fishing boat, pontoon, speedboat, or personal watercraft, The Bill Yon Agency helps you get the right coverage before launch day.

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What Boat & Watercraft Insurance Can Include

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Boat Liability Coverage

Helps cover injuries to others or damage to another boat, dock, or property.

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Medical Payments

Provides coverage for medical expenses for you and your passengers, regardless of fault.

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Comprehensive & Collision

Covers damage to your boat from accidents, storms, theft, vandalism, or collisions.

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Uninsured / Underinsured Boater

Helps protect you if you’re injured by another boater who lacks adequate coverage.

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Towing & Assistance

Covers on-water towing, jump-starts, or mechanical assistance—especially valuable on Old Hickory Lake.

Jet Skis, WaveRunners & Sea-Doos

Personal watercraft require specific coverage. We’ll ensure:

  • Correct classification (Jet Ski, WaveRunner, Sea-Doo, etc.)

  • Private Flood Insurance

    Offered by select insurers and may provide higher limits, broader coverage, or different deductibles for some properties.

  • Coverage reflects storage, transport, and seasonal use

  • Discounts are applied for boating safety courses when available

PWC insurance typically includes liability, physical damage, and medical payments—tailored to how and where you ride.

Old Hickory Lake & Middle Tennessee Boating

Boating on Old Hickory Lake and throughout the Hendersonville–Nashville area comes with specific considerations, from marina insurance requirements to crowded summer ramps and heavier on-water traffic during peak season. Seasonal storage and trailering add additional exposure, while quick access to towing and emergency assistance is especially important on busy holiday weekends. That’s why we tailor coverage to how you actually use your boat—whether it’s weekend cruising, fishing trips, or navigating high-traffic summer days on the lake.

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Boat Insurance FAQs

  • Is boat insurance required in Tennessee?

    No by law, but marinas and lenders often require it.

  • Do marinas require boat liability insurance?

    Many do. We can provide proof of coverage quickly.

  • What does PWC insurance cover for a Jet Ski?

    Typically liability, physical damage, medical payments, and optional towing.

  • Does my homeowners insurance cover my boat?

    Coverage is usually limited. A dedicated boat policy offers broader protection.

Ready Before You Launch?

We’ll set up coverage, issue proof of insurance for marinas or lenders, and explain your options clearly.

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Let's Talk

Get the Coverage That Keeps You on the Water

From pontoons to personal watercraft, The Bill Yon Agency helps boaters across Hendersonville, Nashville, and surrounding areas protect their investment and enjoy the lake with confidence.