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Boat Insurance in Smyrna and La Vergne, TN

Protecting Boaters in Smyrna and throughout Central Tennessee against Risk

From fuel spills and on-water collisions to pet injuries and equipment damage, the risks that you face as a boater are many. The risks that you face can translate into significant costs if you’re not protected. Insurance provides necessary protection, and at Groogan Insurance Group, LLC we have a complete boat insurance program, which we tailor to individual clients.


We’ve insured boaters in Smyrna and in communities throughout Central Tennessee for many years. Also, we’re boaters, so we know what it’s like to own a boat, and also we know the risks that boaters face. For these reasons, we’ll provide to you the best possible boat insurance. Whether you ride a Jet Ski or you sail a yacht, we’ll help you.

Boat Insurance Coverage Details for Boaters in Tennessee and in Kentucky

Most boat insurance policies and/or plans cover bodily injury, property damage, guest passenger liability, medical payments, and theft. They can cover other things like wear and tear, animal damage, and design defects through endorsements and coverages, and also boat insurance policies and/or plans are available in actual cash value (ACV) form or agreed amount value form.


Small boats and/or boats with less than 25 miles per hour of horse power can sometimes be insured through homeowners or renters insurance policies. Larger boats and boats with more than 25 miles per hour of horse power, and also personal watercraft require separate boat insurance policies or plans, which include liability coverage.


The coverages and policy or plan that you need in order to insure your boat or boats will depend on a number factors that include your boat or boats’ sizes, types, and values. We’ll help you determine which coverages are most appropriate and which policy or plan is best, and also we’ll ensure that any solution that you purchase is fitting.


The boats and other watercraft that we insure include but are not limited to:

  • Yachts
  • Performance Boats
  • Sail Boats
  • Bass Boats
  • Jet Skis
  • WaveRunners
  • Houseboats
  • Dinghies

The coverages that we offer include but are not limited to:

  • Vandalism
  • Collision with another boat or object
  • Theft
  • Damage caused by uninsured or underinsured boaters
  • Bodily Injury payments
  • Damage to another’s property
  • Medical Payments
  • Guest Passenger Liability
  • Fuel Spill Liability
  • Wreckage Removal
  • Pet Injury Coverage

You may be able to save time and money as a client of ours if you take advantage of benefits and discounts for which you may be eligible. Speak with an agent to learn more about these benefits and discounts.

Experienced, client-focused Agents with special Knowledge of Boats and Boating keeping you and your Boat secure

We know that it’ important for boaters to stay secure, and this is one reason why we take a hands-on approach to delivering boating insurance solutions. We thoroughly assess clients' needs through one-on-one consultations and risk analyses, and once we know and understand the clients’ needs, we identify the right coverages. After we’ve identified coverages that are right, we create the best possible solutions.


We examine each coverage option and we compare the options that we examine. This helps us find the right insurance solution for each client that we serve. Also, we review solutions so that there are never gaps in coverage, and so that clients' rates are always competitive. Whenever possible, we include clients in review processes, and as a result, the clients can completely understand their purchases, and also be aware of needs for changes to coverages.


Contact us or call us today. To start on a policy, request a quote.

Additional Boat Insurance Information:

At Groogan Insurance Group, LLC we’re proud to provide boat insurance in Smyrna, La Vergne, Murfreesboro, Nashville, Antioch, and Franklin. We also serve other areas in the state and we serve Kentucky.