Boat Insurance and Safety Tips

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.

  • Trailer Preparation

    Your trailer plays a crucial part in getting your boat to the water. Make sure yours is ready for action.

    Watch Trailer Preparation Video
  • 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
  • Safety Equipment

    A prepared boat is a safe boat. Here's what to keep on-board, including fire extinguishers, flares, and more.

    Watch Safety Equipment Video
  • 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
  • PWC Safety

    Personal watercrafts are more popular than ever. Here are our tips on staying safe on yours.

    Watch PWC Safety Video
  • 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.

    Watch PWC Safety Equipment Video
  • 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
  • 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.

We'll be there when the seas get stormy.

Allstate boat insurance starts at about $23 a month. Half of all boat accidents result in injury, so talk to you local Allstate agent today about full-featured Allstate boat insurance.

*Boat owners insurance is subject to terms, conditions, and availability. Policy issuance is subject to qualifications.
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