Summer is almost here! Are you busy making fun plans?

Do your plans include taking your boat out on the water with family and friends?

Nothing is more enjoyable than heading out into the water during a warm, summer day.  In doing so, you want to make sure you have insurance in place to cover your craft, boating accessories and anyone who may be riding in it.

Here are some things to keep in mind when purchasing boat insurance:

• Many boaters think their homeowner’s insurance will cover them while boating
  • While homeowner’s insurance might cover some, it won’t cover all of your boating needs
• Other’s think the older your boat is, the less likely you need boater’s insurance
  • A rider may be added to your homeowner’s insurance for older boats
  • Check with your insurance agent to learn what is best for your boat
• If you dock your boat in a marina, you may be required to carry a certain amount of liability insurance
• Boat insurance is not a “one size fits all” type of insurance, many factors go into determining what will best fit your watercraft best
• Insurance coverage needs for your boat can vary from state to state, and please make sure you know what is required in your state
• Remember Safety First! Boat responsibly and follow ALL safety laws! Please DON’T Drink & Boat!

Don’t let your day out on the water in your boat take a wrong turn and ruin the fun because you didn’t have the proper coverage in place beforehand.

At Steely & Smith, our team of insurance experts can help you ensure that your boat is insured correctly, along with your towing vehicle and personal liability for people who riding in your boat.

Reach out to us today!

Note: This information is general in nature and should not be construed as professional insurance advice. You should work with your insurance agent to determine what will work best for your situation.