Owning a boat means investing in insurance, and keeping your rates low requires adhering to certain key safety standards. That’s why the team at Tim Bryan Insurance, offering everything from home to health insurance in Andalusia, AL, recommends having U.S. Coast Guard approved life jackets and preservers on board your vehicle at all times.

Insurance Agent’s Guide to Boat Safety

Stock Life Jackets

It’s important for every passenger on your boat to have access to a life jacket—in fact, the Coast Guard requires it. Not only are they crucial in case of an accident, but also your insurance company will want confirmation that you took all the necessary safety measures.

Though most states have clear requirements regarding children and life jackets, the best course of action, in any case, is simply to have kids wear them at all times while on board. Even though they should be monitored, your young ones are more prone to running, jumping, and engaging in dangerous behavior—having the gear on from the get-go will protect them in case of an accident. Finally, keep in mind that adult life jackets are not approved for kids; they need special, child-sized ones.

Test Your Gear

Along with having enough life jackets on board for all passengers, you should also stay safe by having your gear annually tested for buoyancy. Keep them properly stowed at all times, too; otherwise, they may be difficult to find in an emergency.

For more tips about keeping your boat insurance low or to purchase a policy, turn to Tim Bryan Insurance for both personal and commercial coverage options. They’ll provide exceptional customer service and help you find the ideal plan for your needs and budget. Call (334) 222-1460 today to speak with a representative.