Start a new quote
New customer to Sun Coast? You are in the right place. Select a product below to get started.
New customer to Sun Coast? You are in the right place. Select a product below to get started.
National Safe Boating Week (May 17–23, 2025) starts today, and it's the perfect time to ensure your maritime adventures stay delightful rather than disastrous.
Because let's face it—nobody plans to become a Coast Guard rescue statistic.
At Sun Coast General Insurance Agency, we believe the best boating memories are the ones where everyone returns to shore with nothing more dramatic than a sunburn and tales of the one that got away. That's why we've crafted this comprehensive guide to keeping you, your passengers, and your prized vessel safe this season.
Before we dive into the tips, here's something to consider: According to the U.S. Coast Guard's latest data, there were over 4,000 boating accidents last year, resulting in hundreds of fatalities and thousands of injuries.
The truly heartbreaking part?
More than 80% of drowning victims weren't wearing life jackets, and operator inattention, improper lookout, and lack of experience ranked among the top contributing factors in accidents.
And yet, many boaters assume their coverage protects them in all scenarios—until it doesn’t. Don’t fall for these common boat insurance myths that could leave you exposed when the unexpected hits.
We know—life jackets aren't always the most fashionable accessories. They can be bulky. They might clash with your carefully curated boat outfit.
Guess what's even less stylish? Drowning.
Modern life jackets are more comfortable and less restrictive than ever before. Make sure each person on board has one that fits properly. For children 13 and under, wearing one isn't just smart—it's the law in most states.
Remember: A life jacket stowed in a compartment is about as useful as sunscreen left in your beach bag. It needs to be ON your body to save your life.
Pro tip: Replace life jackets that show signs of wear and tear. That vintage jacket from 1985 is a collector's item, not safety equipment.
This kind of overlook is one of the most common errors among new boaters—see what else to avoid in our guide to rookie mistakes on the water so your first summer on board doesn’t end in regret.
Picture this: Everyone's had a fantastic swim. The music's playing. There's laughter, conversation, and maybe a beverage or two. It's tempting to fire up the engine and move on to the next spot.
Stop.
Take five seconds to count every person on your boat. Then look around the water. Then count again.
Propeller strikes are among the most horrific boating accidents—and they're entirely preventable with this simple habit.
Five seconds. That's it.
Not convinced it's necessary? Ask anyone who's ever had a close call. They'll tell you those five seconds are the best investment you'll make all day.
"But we're just going out for a quick spin around the lake!"
Famous last words before a simple day trip turns into an overnight search and rescue operation.
A float plan doesn't have to be complicated. A quick text to a reliable friend with:
That's it. If something goes wrong and you don't check in, this information becomes invaluable to rescue teams.
Think of it as an insurance policy that costs nothing but thirty seconds of your time.
If an unexpected storm delays your return, or you need to dock your vessel longer than planned, make sure your policy covers those scenarios. Our off-season storage guide covers lay-up coverage, marina rules, and how to stay protected even when plans change.
Your boat safety kit should be treated with the same reverence as your favorite fishing rod or that cooler of perfectly chilled beverages.
At minimum, include:
These items don't take up much space, but they make the difference between a minor inconvenience and a major emergency.
The universal truth of boating: Problems rarely improve on the water.
Before casting off, take five minutes to check:
It's amazing how many "stranded boater" calls begin with "I thought we had enough gas" or "The engine was making a funny noise before we left, but..."
Don't be that boater. Check your systems.
Let's address the elephant on the deck: alcohol and boating.
Operating a boat under the influence isn't just dangerous—it's illegal, with penalties similar to those for driving under the influence.
The water adds elements that make alcohol consumption even more hazardous:
These factors can intensify alcohol's effects, meaning you'll become impaired faster than you would on land.
Designate a sober skipper for every outing. Full stop. No exceptions.
Your future self will thank you.
Modern technology has given us incredible tools to enhance boating safety:
These tools aren't meant to replace basic safety practices—think of them as an extra layer of protection.
Even the most careful captains can encounter unexpected situations. That perfect day can change in an instant when:
This is where proper insurance doesn't just become important—it becomes essential.
Especially in high-risk boating zones like Florida, where coastal storms, theft, and high traffic can raise your exposure. See how pricing and policy types vary in our Florida Boat Insurance Guide for local boaters.
At Sun Coast General Insurance Agency, we've seen firsthand how the right coverage can make the difference between a minor setback and a financial disaster. Our specialized boat insurance packages cover everything from collision damage to emergency towing, medical payments, and liability protection.
Not sure what coverage you need? Our team of boating enthusiasts understands the unique risks you face on the water and can help tailor a policy that fits both your vessel and your budget.
As National Safe Boating Week approaches, take these actionable steps:
And don’t forget the fundamentals—our top boating safety tips can help you stay sharp from launch to dock, no matter your experience level.
The water is calling, and with the right preparation, you can answer with confidence.
Whether you're cruising coastal waters, exploring inland lakes, or fishing your favorite spots, remember that safety isn't just about following rules—it's about creating a foundation for worry-free enjoyment of the boating lifestyle you love.
Ready to ensure your insurance coverage is as seaworthy as your boat? Get a personalized quote today and set sail with the peace of mind that comes from knowing you're properly protected.
After all, the only surprises on the water should be the size of the fish you catch, not the gaps in your coverage.
Stay safe, have fun, and may your anchor hold wherever you drop it this season!
