Boat Insurance That Protects More Than Your Hull

At Holt Insurance Agency, we believe in People, Not Policies and that means your family, your boat, your lifestyle matter most. Whether you’re cruising on Percy Priest Lake or anchored at your lake house on Norris, we help you secure boat insurance that brings protection and peace of mind. From liability to windstorm coverage, we make it simple and personal. You focus on the next adventure. We’ll help you get the coverage to match. Ready to set sail with confidence? Let’s get you a quote.

Why Boat Insurance Matters for Tennessee Families

  • Varying lake conditions - unexpected storms or wake damage.

  • High-value assets - boats, trailers, high-tech electronics onboard.

  • Liability exposure - accidents, injuries, or damage to others.

  • Off‑season security - theft, winter storage, transport.

We’ll connect you with reliable boat insurance policies so you can enjoy lake life without worry.

What Boat Coverage Typically Includes

  • Physical Damage Coverage

    Hull and structure repair or replacement for collision or sinking. Protection for onboard equipment—like GPS, fish finders, and anchors.

  • Liability Protection

    Bodily injury liability if someone is hurt. Property damage liability if you accidentally damage another vessel or dock.

  • Uninsured/Underinsured Boater Coverage

    Covers damage or injury when another boater is at fault and underinsured.

  • Towing and Assistance

    Roadside assistance for trailer breakdowns and on-water towing or rescue.

  • Stranding or Windstorm Coverage

    Coverage for weather‑related groundings or storms common on Tennessee lakes.

  • Theft, Vandalism & Storage Protection

    Security during off-season, theft from docks, vandalism at storage.

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Why Choose Holt Insurance for Your Boat

Generations of Trust in Tennessee

Serving Tennessee families since 1946, our multi-generational legacy means stability, reliability, and deep local knowledge from Downtown Nashville to the countryside of Leiper’s Fork.

People, Not Policies

We build relationships, not transactions. You’ll talk to a real person who knows your name, your family, and what matters to your lifestyle.

Comprehensive Protection Made Simple

Bundle boat coverage with your home, auto, or atv for easy billing, unified service, and potential discounts! Ideal for families with lake houses or multiple vehicles.

Freedom to Focus on Fun

Spend time riding; not worrying. Our tailored coverage and responsive support keep your mind on the trails, not paperwork.

How Boat Insurance Works: A Quick Overview

1. Reach out for a quote

We assess your boat type, usage, modifications, and boating habits.

2. Review personalized options

Choose coverage levels, deductibles, and add-ons that fit your needs.

3. Ride with peace of mind

Enjoy confident coverage; claims handled by caring pros who know you.

  • We can help secure coverage for a wide range: powerboats, bass boats, pontoon boats, sailboats, personal watercraft, and more.

  • Yes! The carriers we work with offer storage and theft protection whether your boat is in water or secured away.

  • While some lakes don’t require it, liability protection is wise and often required for rental facilities, marinas, or towing services.

FAQs About Boat Insurance

  • Many policies can include trailer coverage for accidents, theft, or road damage en route to the lake. We’ll make sure you’re covered.

  • When you have other policies with us, like auto or home, we’ll explore bundling options with the same provider to save you money.

  • Typically within 24 hours. For urgent needs, just call or text, we’ll expedite the process.

Bundle & Save: Get a Quote Today from Holt Insurance Agency

Brick building with "Holt Insurance Agency" sign, surrounded by trees and shrubs.

Did you know you can often save hundreds of dollars by bundling your policies? Many insurers offer multi-policy discounts when you combine:

At Holt Insurance Agency, we specialize in finding affordable solutions that don’t sacrifice coverage. Let’s explore how much you could save with a bundled quote tailored to Tennessee residents.

👉 Request Your Free Quote from Holt Insurance Agency

Protect your adventures and your wallet!

Ready to Cruise with Confidence?

At Holt Insurance, we don’t just assist with policies—we help protect your peace of mind on the water. Whether you’re an experienced boater or launching your first craft, we’ll help find the right coverage through our trusted insurance partners.