Your Guide to Worry-Free Days on Our Tennessee Waters

This summer, a party of four took a sailboat out on the lake at about 11:00PM. Once they were a few miles from shore, they all decided to take a midnight dip. However, they forgot one very important thing…….the anchor!

The captain quickly realized what they had done. He began furiously swimming toward the boat but it had already drifted 20 feet. His lifeless body was found a week later floating near shore.

Two of the passengers managed to tread water and were rescued the next morning by some fisherman. The Coast Guard located the other passenger. He did not survive.

There’s nothing better than a perfect day on the water. For so many of us here in East Tennessee, our best memories are made on a boat. Whether you’re pulling the kids on a tube across Watauga, casting a line on Boone, or just enjoying a quiet sunset cruise, you know how precious that time is.

If you’re a boat owner in Johnson City, Elizabethton, Jonesborough, or make the drive up from Greeneville, you know that a great day can turn in a heartbeat. A sudden summer storm can roll in over the mountains, an unexpected mechanical issue can leave you stranded, or a crowded dock can lead to an unfortunate bump.

That’s where peace of mind comes in. The right boat and watercraft insurance ensures that a mishap doesn’t ruin your finances or your love for the water.

Insurance Coverage that Extends Beyond the Dock

A standard homeowner’s policy often provides little to no coverage for your boat once it leaves your property. Boat insurance is specifically designed for the unique risks you face on the water. At Veritas, we’ll work with you to build a policy that fits your vessel and your lifestyle, with coverage that can include:

• Collision Insurance: Covers the cost to repair or replace your boat, motor, and trailer if it’s damaged in an accident with another boat or object, like a dock or submerged debris.

• Comprehensive Coverage: Protects you from non-collision events, such as theft, vandalism, or damage from a fire or storm.

• Liability Insurance: A crucial protection that covers you if you are at fault in an accident that causes injury to another person or damage to their boat or property.

• On-Craft Medical Payments: Provides coverage for medical expenses for you and your passengers if you’re injured in a boating accident, regardless of who is at fault.

• Towing and Assistance: If you break down on the water, this helps cover the cost of on-water towing, fuel delivery, or a jump start to get you safely back to shore.

Your Local Partner in Boat Insurance

At Veritas, we’re more than just insurance agents; we’re your neighbors. Since 2009, we have proudly served the communities of Johnson City and the surrounding areas. We understand the waters you’re on because we’re on them too. We know the difference between a pontoon boat perfect for a family outing on Boone and a bass boat ready for a tournament on Watauga.

An accident on the water can be stressful and costly, but your insurance shouldn’t be. Often, for just a few dollars a month, you can be protected from the unexpected. Let us handle the risks so you can focus on the fun.

Ready to get started? Click the link below for a free, no-obligation quote. The professionals at Veritas will get in touch to find the right protection that will pay for itself in peace of mind.