As winter finally draws to a close and temperatures start to climb, many people are looking forward to warm spring afternoons out on the lake. While boating is usually fun and relaxing, bad weather, an unskilled boater, and other hazards can quickly turn your adventure into a disaster. Before taking your vessel out this year, check your boat insurance policy, and remember to take the following safety precautions.

5 Safety Tips for Boat Owners

1. Stock Up on Safety Gear

In case of an accident, having the right equipment on hand can save your boat, as well as the lives of your friends and family. On a boat, an accident must be managed with what’s on hand, or wait until you’re back on land. Make sure you have a flashlight, first aid kit, a fire extinguisher, and rope on board, along with enough life jackets for everyone.

2. Check the Weather

Spring storms can arrive out of nowhere, potentially putting your boat and everyone on board in jeopardy. Unexpected stormy weather will make it harder to operate the boat safely, especially if you’re a novice at driving a boat. Even if you’re only planning an afternoon trip, always check the weather forecast before heading out onto the water.

3. Don’t Overload the Boat

Going over the weight restrictions increases the risk of capsizing, so carefully consider every person and piece of equipment you bring on board. If something happens because the vessel was overloaded, your boat insurance company might deny your claim.

4. Prepare a Float Plan

A float plan includes details of an expected trip, including where you’re going and how long you plan to be out on the water. Leaving a float plan with a family member or someone at the marina can help rescuers find you if something happens.

5. Have Your Boat Inspected

Both the Coast Guard Auxiliary and the U.S. Power Squadrons offer free vessel safety checks to ensure your boat is ready for the water. You can schedule an appointment online, and there are no consequences if the inspector finds a problem.

If you get into an accident on the water, a strong boat insurance policy will protect the value of your investment and help you avoid financial strain. Since 1949, Albers Insurance Agency has provided customized coverage to boaters throughout the Cincinnati area, delivering high-quality coverage and affordable policies designed around your needs. For a complete list of the types of coverage they offer, visit their website, follow their Facebook for more insurance tips, or call (513) 891-3304 to request your free boat insurance quote.