It’s already the middle of summer, and many people have been spending their time out on the water with their boat, enjoying the weather (until any afternoon thunderstorms, at least). Whether you own a boat to go fishing in the ocean or enjoy afternoons at the lake, there are some safety tips you can employ to stay safe out on the water.
First and foremost, you can take a boating safety course, and also learn the boating “rules of the road” – for example, some locations have speed restrictions for your boat. You also should look at the limits of your boat, making sure you know the capacity for it and do not overload it, with either items or people.
Make sure that you have a friend or family member on land that knows where you are going when you go out boating, and when you are expected to be back – this is especially important when you are going into deep ocean water, as sometimes you may be out of range for radio or cell phone calls.
You should also always wear a life jacket, and make sure that you have enough life jackets for everyone on the boat. Life jackets not only can help you stay afloat in the water, but they also help to provide thermal protection against the onset of hypothermia in cold water. Even with a life jacket, it is important to know how to swim. Know your limits while swimming as well – swimming in open water is more difficult than a swimming pool, and you should make sure to stay within site of your boat at all times.
Finally, you should also have insurance for your boat. Boat or watercraft insurance is similar to both home and auto insurance. Like auto insurance, it covers property damage that may occur to your boat, as well as the damage that your boat may inflict on docks or other boats. Like home insurance, it covers your liability if someone is injured on your craft. No matter how safe you are, accidents can still happen. By choosing to purchase watercraft insurance from Lock Insurance, you are assured that both you and your boat will be safe whenever you go out on the water.
Don Westerfeld has been active in the field of Insurance and Financial Planning since 1997. Don grew up in Indiana later moving to Lakeland Florida where he continues to reside with his wife and children. When he’s not in the office you can find him enjoying the great outdoors. He has served on several charitable business and non-profit organizations and continues to provide guidance, advice and support to local charities.
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