Local Expertise.

Straightforward Advice.

Coverage You Can Trust.

Located in Loudon, TN just a stone’s throw from Watts Bar, Fort Loudon, and Tellico Lake along the Tennessee River system, we are boaters just like you and we want to make sure that every vessel on the lake has the best coverage at the best price!

Pontoons/Tritoons

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Wake Boats

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Bowriders

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Motor Yachts

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Sailboats

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PWC's

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Pontoons/Tritoons ✳︎ Wake Boats ✳︎ Bowriders ✳︎ Motor Yachts ✳︎ Sailboats ✳︎ PWC's ✳︎

Coverage for Every Type of Boat on Tennessee Waters

  • Built for comfort and group outings, pontoons are one of the most popular boats on Tennessee lakes. We provide simple, affordable coverage that protects your passengers, equipment, and time on the water.

  • Versatile and family-friendly, bowriders are perfect for cruising, swimming, and water sports. We help ensure you’re covered for passengers, towing activities, and everyday use.

  • Designed for performance and precision, wake and surf boats come with specialized equipment and higher usage demands. We offer coverage that accounts for ballast systems, riders, and the unique risks that come with towing sports.

  • Motor yachts and cabin cruisers combine comfort, range, and onboard systems that require more tailored protection. We help structure coverage that reflects the value, complexity, and way these vessels are used.

  • Sailboats bring a different kind of boating experience—and a different set of risks. From rigging and sails to seasonal storage and longer trips, we make sure your coverage fits how you sail.

  • Jet skis and other personal watercraft are fast, fun, and highly maneuverable—but they also come with increased liability exposure. We provide straightforward coverage that keeps you protected on busy waterways.

Always The Right Price

Coverages Offered

  • Helps protect you financially if you’re responsible for an accident that causes injury to others or damage to their property while operating your boat.

    • Covers bodily injury to other boaters, passengers, or swimmers

    • Helps pay for property damage to other boats, docks, or structures

    • Includes legal defense costs if you’re sued after an accident

    • Applies while operating your insured vessel on covered waters

    • Required in many marinas and lending situations

  • Helps repair or replace your boat, motor, and permanently attached equipment after a covered loss.

    • Collision coverage for accidents with docks, boats, or submerged objects

    • Comprehensive coverage for theft, vandalism, fire, and weather events

    • May be written on agreed value or actual cash value basis

    • Covers hull, inboard/outboard motors, and factory-installed equipment

    • Includes grounding and sinking incidents

  • Helps protect personal items you bring aboard your boat from covered losses.

    • Covers fishing gear, clothing, coolers, and personal belongings

    • May include electronics like phones, GPS units, and speakers

    • Protection against theft, fire, or certain weather-related damage

    • Applies while items are onboard, in storage, or in transit

    • Optional coverage limits can be selected based on usage

  • Helps cover the cost of emergency assistance when your boat breaks down on the water.

    • Covers on-water towing to the nearest repair facility or marina

    • May include fuel delivery, battery jump-start, and soft ungrounding

    • Helps reduce high out-of-pocket costs for on-water service calls

    • Available for mechanical breakdowns and dead batteries

    • Often offered as an optional endorsement on policies

Always The Right Coverage

Why Choose Us?

Choosing the right boat insurance isn’t just about price—it’s about working with someone who understands how you actually use your boat and what risks come with it. From busy summer weekends on East Tennessee lakes to seasonal storage and transport, the details matter.

We are boaters just like you! We focus on making the process simple and clear. No unnecessary complexity, no generic policies—just practical guidance and coverage that fits. Whether you own a pontoon, wake boat, sailboat, or motor yacht, we help you make confident decisions about protecting it.

Learn More About Us

Ready to Get Covered?

We can get you insured and on the water in the same-day! Please send us a little information and let us get to work for you.