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Georgia is one of the best states in the Southeast for boating — and Bartow County sits right at the edge of Lake Allatoona, one of the most popular recreational lakes in the region. Whether you fish, tube, ski, or cruise on a pontoon, having the right boat insurance protects your investment, your passengers, and your liability on the water.
A dedicated boat policy includes agreed hull value coverage for physical damage to your vessel, liability coverage for bodily injury and property damage you cause to others on the water, medical payments for you and your passengers after an accident, uninsured watercraft coverage if you are struck by an uninsured boater, and trailer coverage. Many policies also include towing and emergency assistance on the water.
Many boat owners assume their auto policy covers the boat in transit or their homeowners policy covers it on the water. In most cases, those policies provide little to no meaningful protection. A homeowners rider might cover a small johnboat but falls well short for anything larger. A dedicated marine policy is the right answer for most Georgia boat owners.
Brannon insures boats on Lake Allatoona, Carters Lake, Lake Blue Ridge, and Georgia's coastal waterways. Fill out the form above with your vessel details and he will shop carriers to find the best coverage for how and where you boat.
Georgia does not legally require boat insurance, but most marinas and lenders do. A single on-water accident can generate significant liability and repair costs, so coverage is strongly recommended for any powered watercraft.
Most homeowners policies provide minimal coverage for small boats, typically under 25 feet and 25 horsepower, up to a low dollar sublimit. Larger boats and high-value vessels need a dedicated marine policy.
Yes. A standard boat policy covers you on Georgia's inland lakes, rivers, and waterways including Lake Allatoona, Lake Lanier, and Carters Lake. Some policies extend to coastal and offshore waters. Brannon will confirm the navigation territory of any policy he places.
Most Georgia boat owners pay to ,000 per year depending on the boat's length, value, horsepower, and your boating history. Jet skis and personal watercraft are usually on the lower end; larger powerboats cost more.