Making Waves Safely: A Guide to Insuring Your Summer Fun

As the weather warms up in Tennessee, there’s no better place to be than on the water. Whether you’re launching a boat at Percy Priest Lake or hitting the waves on a jet ski, summer adventures come with unique risks.

While many people assume their homeowners' insurance covers their "summer toys," the reality is that most standard policies offer very limited protection for watercraft. Here is what you need to know to protect your summer investments.

1. Boat Insurance: More Than Just a "Car on Water"

A specialized boat insurance policy does much more than cover physical damage. It typically includes:

• Liability Coverage: Protects you if you’re responsible for a boating accident that damages another boat or injures someone.

• Fuel Spill Liability: Many lake authorities require you to be covered for the cost of cleaning up accidental fuel spills—a cost that can be surprisingly high.

• Wreckage Removal: If your boat sinks, you are often legally obligated to remove it from the waterway; specialized insurance helps cover these recovery costs.

  
  

2. Personal Watercraft (PWC) Insurance

Jet Skis and Wave Runners are fast, agile, and—unfortunately—prone to accidents. PWC insurance is tailored for these risks, often including coverage for:

• Guest Passenger Liability: Provides protection if a friend is injured while operating your jet ski.

• Towing and Assistance: If you get stranded in the middle of the lake, this covers the cost of being towed back to the dock.

  
  

3. Don't Forget the Trailer

Your boat might be insured while it’s in the water, but is the trailer covered while you're driving down the highway? Always ensure your policy extends to the equipment used to transport your gear.

4. Umbrella Insurance for High-Speed Fun

Because watercraft accidents can involve high medical costs or significant property damage, your standard liability limits might be reached quickly. This is where a Personal Umbrella Policy becomes your best friend. It acts as an extra layer of protection that kicks in once your boat or auto limits are exhausted.

5. Why Modern Coverage Matters

In 2026, technology on the water has evolved. From advanced GPS systems to electric motors, your gear is more expensive to repair than ever before. Ensuring you have an "Agreed Value" policy rather than "Actual Cash Value" can make a world of difference if you experience a total loss.