Boat Insurance and Safety Tips
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We want to make sure you have a safe, relaxing time on the water. So check out our safety videos. We not only protect you, your boat, and your gear—we also help you stay safe.
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Trailer Preparation
Your trailer plays a crucial part in getting your boat to the water. Make sure yours is ready for action.
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Fuel Safety
Gas keeps powerboats running, but it can be dangerous to handle. Here's how to be safe when you're boating with gas.
Watch Fuel Safety Video
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Safety Equipment
A prepared boat is a safe boat. Here's what to keep on-board, including fire extinguishers, flares, and more.
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Boat Launching
Safe and smart boating starts before you hit the water—here's how to launch your boat safely every time.
Watch Boat Launching Video
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PWC Safety
Personal watercrafts are more popular than ever. Here are our tips on staying safe on yours.
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PWC Safety Equipment
You need more than a life preserver to be safe on your personal watercraft. Here's how to stay safe on the water.
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PWC Starting Procedures & Operation
Need help operating your personal watercraft? Our tips help you get the most out of it.
Watch PWC Starting Procedures & Operation Video
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Personal Flotation Devices
Smart boaters should always wear a Personal Flotation Device (PFD). With so many choices, there's one for every activity and comfort level on the water. Here's an overview of all 5 types of Coast Guard-approved PFDs.
Watch Personal Flotation Devices Video
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Allstate Boat Safety Checklist
When You're Out On the Water:
- Always keep track of where you are—and where you're going.
- Keep an eye on the weather, and give yourself enough time to get to safety if things change dramatically.
- Watch the horizon to look out for other boats. You're not the only one out on the water.
- Learn the federal and state regulations—and follow them.
- Pay attention to safety indicators, such as waterway markers.
- If you're driving a jet ski, remember that you might be less visible to other boaters.
Safe Boating in Rough Weather
You're out on the water and a storm rolls in. Do you know what to do?
- Everyone on-board should put on their PFDs and sit in bottom of the boat near the centerline.
- Slow down, but don't stop completely.
- Keep the bilge pumps running.
- Turn on the boat's running lights.
- Point the boat's bow into the waves at a 45-degree angle.
- If there's a safe shore nearby, head for it.
- If the engine dies, trail the anchor from the bow so the boat will keep heading into the waves.
- If things are getting especially hectic, anchor the boat.
Before You Raise Anchor
Heading for open waters? A few quick tips will help you enjoy smooth sailing.
- Give your boat a full check-up before you cast off. Test the radio, lights, steering, gauges, fuel level, bilge pump, and anchor.
- Make sure you've got the right safety equipment on board. Also, check that it's in good shape, and that you know how to use it.
- Make sure a relative or friend has your float plan.
- Get familiar with its controls and how it handles, so you won't be surprised when you're out.
- Check the weather forecast.
- Make sure you have enough PFDs for all your passengers, and check that they fit properly.
*Boat owners insurance is subject to terms, conditions, and availability. Policy issuance is subject to qualifications.