While boat insurance is not required under Tennessee law, the agents at Anthony Lancaster Insurance Inc in Memphis, TN are providing facts on why it is best to have a boat insurance policy in place. Keep in mind that anyone in Tennessee who is at least 12 years old can operate a boat alone but if they are under 18, they must have a Boater Education Certificate issued by the state of Tennessee to legally operate it. If a person under 12 is operating a boat, they must have a supervisor on board with them that is at least 18 years-old to be able to take immediate control of the boat if an emergency situation occurs.
Liability Boat Insurance
liability boat insurance is just as important as auto liability insurance because it will protect you if you become involved in an accident that is deemed to be your fault and cause property damage or injuries to others.
Collision Insurance for Boats
it’s important to have collision insurance especially in the event that your boat collides with another boat or an inanimate object such as a dock. Also keep in mind that if you borrowed the money to purchase your boat from a bank or other lender, your bank or lender may require you to have both collision and comprehensive insurance to protect the investment they have made in your boat.
Comprehensive Boat Insurance
Comprehensive boat insurance will protect the investment you made in your boat if it becomes the victim of a fire, an act of vandalism, or a natural disaster, including a hurricane or tornado. This type of insurance will also assist you in replacing your boat if it is stolen.
Contact a Trusted Boat Insurance Agent
It is important for you to contact an insurance agent who knows and understands all the aspects of a boat insurance policy, such as the agents at Anthony Lancaster Insurance Inc in Memphis, TN. call today for an appointment to get your boat insurance policy started immediately.