As temperatures drop, boat owners in Tennessee—especially around Chattanooga—face a silent but serious threat: freezing weather.

While a day on the water feels far away during winter, one unexpected freeze can lead to thousands of dollars in damage. Cracked pipes. Burst fittings. Destroyed engines. And often, these issues aren't discovered until spring… when it's too late.

🚫 Don’t Gamble on Good Weather

Tennessee weather can be unpredictable. A mild December afternoon can quickly turn into an icy night—and just one freeze is all it takes to wreak havoc on your boat’s systems.

If you’ve invested in a boat, make sure you’re also protecting that investment. Here’s how:

✅ Drain water lines
✅ Use marine-safe antifreeze
✅ Wrap and seal exposed areas
✅ Store your boat properly
✅ Review your insurance coverage before winter hits

🛥️ Is Your Boat Insurance Ready for Winter?

Even the most careful boat owner can’t control the weather. That’s why having the right coverage is just as important as winterizing your vessel.

At RISE Insurance, we help boaters across Chattanooga and surrounding areas ensure they have coverage that fits their lifestyle—not just during boating season, but year-round.

Our team will help you:

🔹 Understand your current policy
🔹 Identify potential gaps in winter coverage
🔹 Update or expand your protection before the cold sets in

🧊 Protect Your Boat—and Your Wallet

Boat repairs from winter damage often aren't cheap. In many cases, they’re not covered unless you’ve taken proper steps or have specific protections in your policy.

Now is the time to act—before the first freeze. 📞 Call us today at 423-541-1111