Life is better on the water. Protect your boat and enjoy every trip with insurance designed to keep you covered wherever your adventures take you.
Owning a boat comes with unique risks that require specialized insurance. At Roman Insurance, we take the time to understand how you use your boat so we can recommend coverage that fits your needs.
Custom-fit coverage to safeguard your personal belongings and loved ones.
High-quality coverage and exceptional value from a name you can trust.
Expert guidance from neighbors who understand your community and insurance needs.
A boat insurance policy can help protect both your vessel and your financial well-being. Depending on your policy, coverage may include
Helps pay for repairs or replacement if your boat is damaged by a covered accident, collision, fire, vandalism, or severe weather.
Provides financial protection if you're responsible for causing injury to another person or damage to someone else's property while operating your boat.
Protects your boat if it's stolen or damaged due to theft or vandalism.
May help cover boating equipment, safety gear, anchors, fishing equipment, and other personal belongings carried on your boat.
Helps pay medical expenses for you and your passengers after a covered boating accident.
Optional coverage may help with emergency towing, fuel delivery, battery service, or other assistance if your boat becomes disabled on the water.
Every boat owner has different needs, and we’re here to help protect a wide variety of recreational watercraft.
We provide insurance for:
Whether you’re an experienced boater or purchasing your first boat, we’ll help you find the right policy.
Protecting your boat doesn’t have to break your budget.
Depending on your eligibility, you may qualify for discounts including:
Our team will review available savings opportunities and help you maximize the value of your policy.
Boat insurance typically helps protect your boat against covered accidents, theft, vandalism, weather-related damage, liability claims, medical expenses, and may also include optional coverage for personal property and emergency towing.
Boat insurance is not generally required by Tennessee law for most recreational boats. However, some marinas, lenders, or storage facilities may require proof of insurance before allowing you to dock, finance, or store your boat.
Several factors can influence your premium, including:
Many boat insurance policies offer coverage for personal belongings and boating equipment, although coverage limits vary. Our team can help you select the appropriate protection.
Yes. Bundling your boat insurance with your auto or homeowners insurance may qualify you for additional discounts while simplifying policy management.
Many policies provide protection while your boat is in storage or being transported, but coverage varies depending on your policy. We’ll help you understand exactly what’s included.