“On the seventh day of Christmas my true love gave me seven swimming swans, six geese a clutch, five gold rings, four collie birds, three French hens, two turtle doves and a partridge in a pear tree.”

After a couple of rough days I decided to get away from it all with a trip to the lake. I know it’s December and it’s cold, but I can still relax and see if any fish are biting. I loaded up the boat and headed out to the lake ready to enjoy my free time. It was a great day, my true love gave me seven swans while I was on the lake and we let them swim and enjoy the view together with us.

Anyone who has ever been to the lake knows how fun and relaxing it can be, just make sure you are well covered. If your boat is anything larger than a rowboat, you should consider watercraft coverage. Boat coverage is easy to purchase and relatively inexpensive.

Here are some things to consider when shopping for boat insurance. Make sure you choose to have fuel spill and debris removal liability coverage. I know this is not something anyone wants to see happen on the lake, but in the event of an accident, and if your boat sinks in that accident, you will be responsible for getting the boat off the bottom of the lake. It’s not okay to leave it there. They will find you if you try. Also, you are responsible for all the fuel and oil that has now polluted the lake. Cleanup can be expensive, especially if the lake is very deep, which is why you want to make sure your insurance covers the cost.

I won’t be water skiing today, but I always make sure that water sports liability coverage is included in my policy.

Another valuable coverage that can really put your mind at ease is water towing. Breaking in the water is not like breaking on the side of the road. Being stuck in the middle of the lake is not much fun. It’s good to know you’re covered for the cost of being towed back to the marina. Maybe that fun day at the lake didn’t turn out the way you’d like, but it surely could have been a lot worse.

Call your insurance agent if you have any questions.

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