Home » Summer Boating Checklist: Assessing Your Insurance Coverage Before Hitting the Water
June 14, 2024

Summer Boating Checklist: Assessing Your Insurance Coverage Before Hitting the Water

As the days get longer and the weather warms up, boat enthusiasts eagerly prepare to hit the water. But before you set sail, it’s crucial to ensure that your vessel is not only seaworthy but also adequately insured.

How to Prepare Your Boat for Summer

Use the following tips to prepare your boat for summer use: white and blue yacht on sea under blue sky during daytime

  • Assess the boat’s condition. Begin by thoroughly assessing your boat’s condition. Check the hull for any signs of damage, such as cracks or blisters. Make sure that the propeller and engine are in good working order. Inspect the fuel system for leaks and ensure the battery is fully charged and securely mounted. Verify that your boat has an approved fire extinguisher as required by the U.S. Coast Guard. Check for damage or corrosion and ensure lock pins are secure.
  • Evaluate safety equipment. Safety equipment is crucial for any boating adventure. Carry one life jacket for each passenger. Check them for wear and tear, inspect the inflators and store them in a readily accessible location. Understand when life jackets must legally be worn. Ensure you have flares, a sound-producing device (like a horn or whistle), navigation lights and a first-aid kit. Replace any expired or damaged items.
  • Take proper precautions. Before embarking on your first voyage, ensure your nautical charts and maps are up to date, review the rules and laws of the marinas and waterways you’ll be using, and secure appropriate boat insurance.

What Does Boat Insurance Cover?

Boat insurance typically comprises the following types of coverage:

  • Physical damage coverage can help offset expenses incurred when your boat undergoes damage or is rendered unusable due to accidents, storms, theft, vandalism or other perils specified in the policy.
  • Liability coverage can offer financial protection if you are found responsible for causing injury to other people or damage to their property while operating your boat. It may cover legal fees, third-party medical expenses and other related costs.
  • Medical payments coverage can pay for medical expenses if you and your passengers are injured in a boating accident, regardless of fault.
  • Uninsured/underinsured boater coverage can help financially protect you if you are involved in an accident with an at-fault boater with inadequate coverage or no insurance.
  • Personal property coverage can assist with losses involving personal items on the boat, such as equipment, clothing and other belongings.

Boat Insurance in Decatur, AL

As a boat owner, the specialized agents at Akin & Associates, Inc can guide you in exploring insurance choices, allowing you to choose the right coverage for your vessel.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Categories: Boat Insurance

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