Allstate-Boat Insurance Safety Tips

Being out on your boat puts you further from help than you might expect, even if you’re just a few hundred feet from shore. Play it safe by following the guidelines below. But don’t stop there—learn as much as you can about boating safety from reliable sources like the U.S. Coast Guard Auxiliary and the United States Power Squadrons®. (You can even get a discount for certain courses.)

Before You Raise Anchor

Heading for open waters? Taking good care of your personal watercraft, engine, and safety equipment while the craft is docked will make for smooth sailing later on.

Give your boat a full check-up from bow to stern. Test the radio, lights, steering, gauges, fuel level, bilge pump, and anchor.
Make sure you’ve got the right safety equipment on board, that it’s in good shape, and that you know how to use it.
File a float plan with a relative or friend.
Know your boat. 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 right.

When You’re Out On the Water

Every experienced boater knows: Following basic boat safety rules can be a lifesaver.

Know where you’re at and where you’re going.
Watch out for changing weather, and give yourself enough time to get to safety if needed.
Scan the horizon to keep from getting tunnel vision, which could keep you from seeing another boat.
However slow you need to go to avoid colliding with another boat, stick to that speed.
Get comfortable with federal and state regulations, and follow them. (That includes paying attention to waterway markers.)
Keep in mind that if you're driving a jet ski, you might be less visible to other boaters