931-752-NSUR (6787) Fax: 931-752-6788

Jamestown 500 N Main St. 931-752-6787 | Wartburg 705 Main Street 423-346-5135

Crossville 807 N Main Street 931-707-1921 |Cookeville 1080 Interstate Drive 931-528-6787

Homestead 1760 S. Main Street 931-459-6787 | Fairfield Glade 4929 Peavine Road 931-484-1500

It’s Boating Season

Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precautions. Here are a few tips we like – courtesy of our partners at Safeco.

  • Watercraft Insurance:Most home insurance policies have limited coverage for boats. If you own a boat, watercraft insurance is your best bet: It covers theft, damage, and injuries or accidents while you’re on the water, as well as some of your expensive watersports gear.

  • Don’t let an accident wreck your fun: Life Preservers Aren’t Just for Kids. It’s not enough to just have life jackets on board — wear them! In an accident, people rarely have time to reach for a lifejacket. This rule applies to adults, not just children: More people in their 30s die in boating accidents than any other age group. Life vests have come along way in style. Today, you can even get vests for your water-loving dog!

  • Watch the Back of the Boat: Carbon monoxide kills in minutes. So tell your passengers where your exhaust pipes are located and turn off your engine when people are in the water, and don't let passengers "ski" or“teak-surf” by holding on to the back of the boat. Both Washington and Oregon made teak-surfing illegal in the last few years, after several tragic deaths. Carbon monoxide detectors are standard on most new boats; older boats install devices for less than $100.

  • Alcohol and Boating Don't Mix: More than 50 percent of drowning’s result from boating incidents involving alcohol. You don’t drink and drive, so don’t boat and drive.

  • Boats Need TLC Too: When you're out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a charged fire extinguisher. Have your boat's operating systems checked yearly by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.

  • Experience Counts! The U.S. Coast Guard says that operator errors account for 70 percent of all boating accidents. Make sure anyone who drives your boat is properly trained. You can also earn boat insurance discounts from Safeco and other insurers if you complete a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.

Sites for Information:

Sites for Information:

Call TheRains Agency at 931-752-6787 or e-mail agencymail@psbgroup.com for more info.
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