watercraft insurance

Summer Is Here, Is Your Watercraft Ready?

Summer has officially kicked off. Kids are out of school, so it’s time for a little fun. The best way to beat the heat is to hit the lake. If you plan to take your boat or jet ski out there are a few things you should know about laws and insurance.


Just like operating a car or truck, there are laws that you must follow on the water. Laws and regulations change often, so remember that this is just a guide. Check your state and local laws, as well as, your insurance agent before you go to the lake.


Most states have similar laws. Here is a list of common things you should know:


You must have life jackets (personal floatation device) for every passenger and it must be the right size. Children under 13 need to wear their PFD at all times

A fire extinguisher must be on board.

You must keep your watercraft below 75 decibels while in operation.

You will need a sound producing device, like a whistle, that can be heard a half mile.

From sunset to sunrise you will need to have a white, red, and green light displayed properly.

Just like in a vehicle on the road, it is illegal to operate a boat while under the influence of drugs or alcohol.


This is just a small list. Laws are different for different types and sizes of vessels, and the age of the operator and passengers. Be sure to check the laws for your boat.


Now that you are aware of some of the laws, another thing to consider is having insurance on your boat. If you have a loan on your boat, you are probably require to insure it.


Watercraft insurance is often overlooked, but what happens if there is an accident? Did you hit something with your boat? Did it sink? Did a person get injured? Did your boat get stolen? As always, discuss your coverage and options with your insurance agent.


Just like your automobile insurance varies, so does your boat insurance. There are different types of coverage, like liability or full coverage boat insurance.  


A few options to consider are coverage for theft, physical damage, trailer coverage, motor coverage, and medical payment coverage. You will want coverage while hauling the boat to the water, as well as, operating it on the water.


Call your insurance agent to find the best coverage that fits your needs and your budget.