If you're a boat or watercraft owner, summer is the perfect time to hit the water with your family and friends. But before you embark on any lake or ocean adventures, it's important to consider water safety.
To ensure everyone's well-being while on the water, you need the right insurance policies to give you peace of mind. Discover some helpful water safety tips to implement this summer, and learn which types of Personal Insurance policies offer you the coverage you need.
Water Safety Tips for Summer
Whether you're a seasoned sailor or a new boat or watercraft owner, these tips can help keep you and your loved ones safe on the water this summer:
- Life Jackets Are a Must: Always wear a life jacket, and make sure everyone on board does as well. Accidents can happen at any time, and life jackets can save lives, especially for children and non-swimmers who fall into the water.
- Don't Skip the Safety Gear: Ensure your boat or watercraft is equipped with all the necessary safety gear, such as fire extinguishers, flares, a first aid kit, and a throwable flotation device. These items are vital to have in the event of an accident or injury.
- Stay Sober and Alert: Drinking alcohol impairs judgment and reaction time, so it's crucial to designate a responsible boat captain who remains sober while operating the boat. Stay alert, keep an eye out for other boats, and follow navigation rules.
- Check the Weather: Before heading out, check the weather forecast. Sudden storms or high winds can create hazardous conditions on the water and put your personal safety at risk.
- Know Your Limits: Be aware of your boating skills and experience. Don't push yourself beyond your capabilities, and don't speed or drive your watercraft or boat in a reckless way. If you're a new boat or watercraft owner, consider taking a boating safety course to learn the ropes.
What Types of Personal Insurance to Carry
Accidents can happen, even to the most cautious and experienced boaters. Although Texas law doesn't require boat or personal watercraft owners to carry insurance, it's still a smart move to protect yourself and your investment.
Here are a few types of personal insurance policies to consider if you're buying a boat or watercraft:
- Boat Insurance: Boat insurance covers damage to your vessel, theft, and liability in case of accidents. It can also include coverage for medical expenses and towing assistance.
- Personal Liability Insurance: This type of insurance protects you if you cause an accident that results in injury or property damage to others. It can help cover legal fees and any damages you may be responsible for.
- Personal Umbrella Insurance: An umbrella policy provides additional liability coverage that extends beyond the limits of your boat or homeowners insurance. It's an extra layer of protection and can be beneficial if you face a costly lawsuit.
- Personal Injury Protection: Personal injury protection insurance covers medical expenses for you and your passengers in case of an accident. It can be especially valuable if you don't have health insurance or have high deductibles.
Protect Your Boat or Watercraft Through Aegis
As you prepare for a summer filled with boating and watercraft adventures, keep water safety in mind and consider the benefits of personal insurance coverage.
Insurance policies can vary in coverage and cost, so consult with the Personal Insurance experts at Aegis Insurance & Financial Services who can help you understand your policy options to find the best fit for you. Contact us at 713-850-7622 to discuss your insurance needs, or fill out our online form to request a free quote today!