We have a lot of boat owners in Middle Tennessee.  Lakes like Percy Priest, Old Hickory, and Tims Ford Lakes are in our area.  Then, there is Smith Lake in northern Alabama.  You hitch the boat and trailer to your truck or car and off you go for a GREAT day on the lake.  Then, after you are away from the dock, you have a problem that can ruin your day or hard-earned savings because of a breakdown, accident, or other tragic events that blows your day.  That’s why we’re often asked …”Is there insurance for that?”  We get to answer YES to many of these questions because of the quality of boat coverage we offer here at Benton White Insurance. 

Boat insurance cost is designed for the boat you own.  Smaller boat – lesser premium; Yacht – increased premium.  But we insure them all right here!

The key element we look at with boat insurance is what is and is not covered.  We concentrate on GAPS in boat policy provisions.  GAPS can cost a lot of personal money if they aren’t insured.  Many policies available in the market have LARGE GAPS.  Let’s look at these examples where we COVER some of those gaps.

Boat Insurance Gap #1: Mechanical Breakdown Coverage

• It’s a calm day on the open water. Just you, the seagulls and the occasional buoy. As you reach cruising speed, your outboard engine draws in plastic debris, interrupting the flow of cooling water and causing your engine to overheat and sustain substantial damage. Are you covered? Not all boat insurance companies offer mechanical breakdown coverage. We cover that!

Boat Insurance Gap #2: Salvage Coverage

• You’re taking friends for a ride across the bay. You hear a loud crunching sound and realize you’ve run over a submerged object. Now you’re taking on water and the vessel begins to sink. One of the rescue boats that patrols the area rushes to the scene to pump out the water and then tows you to the marina. The bill is enormous. Are you covered? Not all boat insurance companies offer salvage coverage. We cover that!

Boat Insurance Gap #3: Wreck Removal

• You go down to the dock to check on your boat following a storm. When you get there, you discover the slip is empty and your boat has sunk. Are you covered? Not all boat insurance companies offer the wreck removal coverage you need. You know you have insurance on the boat, but did you know you will be financially responsible for the cost of raising your boat from the bottom and removing the wreckage? We cover that!

Our Personal Watercraft coverage includes competitive rates, high-quality coverage, excellent customer service and our renowned claim service expertise. 

Competitive rates and special discounts: In addition to affordable coverage, you can qualify for special discounts for insuring their auto, home/condo and boat together with us.

Excellent customer service: We have available to us, dedicated marine experts committed to outstanding policy service, and claims-handling that gets you back on the water as quickly as possible.

Don’t head to the lake this season until you let us make sure that your coverage is right and premium competitive.  TEXT or CALL us at 615.377.1212 or EMAIL us at info@BentonWhite.com.  Since we are an independent agency, we have several companies we can choose from that best fits your boating or other insurance needs.  Give us the opportunity to EARN your business!

Stay safe and HAPPY BOATING this season!