One of the most enjoyable outdoor activities that my family and I do during the summer is to go boating. Boating is a great way to bond with friends and family members. If you don’t own a boat you can easily rent one for day at one of your local marinas. There are several boats to choose from and many activities to participate in while on the water. Below are just a few of the great things you can spend your day doing while boating.

1. Relaxation – Many families will take an enjoyable stroll around the lake or river relaxing while spending time chatting with friends and family. Take a cooler and snacks and sit back and enjoy the peace that you can experience while floating on the water.

2. Fishing – Take your kids, grandkids friends and family out for a day of fishing. Not only will you have blast watching the young ones eyes light up when they catch a big one, but you will also be able to spend that quality time together that everyone deserves.

3. Swimming – You’ll find several boats that will dock at the sand bar or out in the middle of the lake. When you notice these boats sitting their you’ll see how much fun their having jumping off the side of the boat, or just floating in the water swimming. The kids seem to enjoy this more than anything else you can do on the boat. Just make sure you look great in your new bikini. Use medifast coupons to lose those last extra pounds.

4. Tubing – Here is my favorite activity on a boat. Take everyone out on the boat for a little tubing. This is a great activity for everyone. Watch the kids laugh and yell as they skim across the water on their favorite towable. There are many towables to choose from depending on your rider’s action level.

5. Water Skiing – It’s a great time to get out your skis and hit the water. Friend will love watching the experienced skiers as well as watching the beginners get up for the first time.

6. Kneeboarding – This ones a little easier than water skiing and kids will really enjoy the thrill of racing across the water. Watch out for those waves and be ready to splash in the water.

7. Fire Works – One of my favorite times of the summer is watching the fireworks over the lake while your sitting out on the boat. This can be one of the most spectacular views for watching fire works. Boating is a great way to enjoy the 4th of July weekend.

8. Wake boarding – If you know how to water ski get ready for some wake boarding action. You can have a blast trying out new stunts on a wakeboard. This is one of the most popular activities for young ones on the water.

9. Slalom Skiing – Kick away that other ski and use only one. This is for the more advanced skier, but friends and family will cheer you on as you make a big spray behind you while your slaloming.

This summer head to the water with your family and friends and enjoy your time together.

Some people simply overlook boat insurance. They think that nothing bad is going to happen, when in reality, bad things often happen involving boats!

If you own a boat, you need boat insurance. In fact, many states now require boat owners to carry Watercraft Liability insurance before they transport or operate a boat. If your boat has been financed, your lender will almost always require you to carry full coverage boat insurance.

Again, most people don’t think anything bad will happen but bad things do indeed occur!

Vandalism is one problem that you may encounter. This is especially true if you dock your boat in a marina. Vandalism can also occur when you park your boat at your home, or at a hotel when traveling. If someone hits your mailbox, you can go to home depot (use a home depot coupon), and get a new one. The same can’t really be said for expensive boat parts.

When you shop for insurance, make sure that vandalism is covered on your policy. Most issuers of boat insurance will only offer you the Watercraft Liability but in most cases, you need more coverage than that! Theft is another possibility. Cars are stolen all the time but boats are stolen as well. In fact, stealing a boat is easier than stealing a car!

Boat insurance should cover you in the event of vandalism, theft, sinking, fire, storms, capsizing, stranding, collision, and explosion. Furthermore, the insurance should cover the boat, the motor, and the trailer used to transport the boat. The boat should be covered no matter who is operating the boat, as long as they are legally allowed to operate the vessel.

Boat insurance will typically cover you in the event of malfunction as well. If something happens to your motor, it should be covered by your insurance. It should also cover you in the event that your boat needs to be towed back to shore.

What you are covered for depends on what type of coverage you purchased through your insurance agent. For this reason, it is important to know what type of coverage is available. Not all insurance companies will offer all types of coverage, but they will offer Watercraft Liability and Watercraft Medical payments.

Watercraft liability covers you just like car liability insurance protects you in the event of an accident where you are found to be at fault. Medical payments will cover medical expenses incurred by you and the occupants of your boat that are the result of a boating accident in the covered water vessel.

Optional insurance usually includes coverage for reasonable repairs, emergency services to your boat, motor, or boat trailer, and wreck removal. Wreck removal is very important coverage to have. If you boat sinks, it will need to be raised before an insurance company can access the damages and pay your claim. This is very expensive, and in most states, the law requires you to remove wrecked or sunken vessels.

Boats may be luxury items but they are very expensive luxury items.

Repairing or replacing a boat may not be something that you can easily afford but in most cases, you will find that boat insurance is quite affordable. However, if you are thinking in terms of cost, and you think that you cannot afford the boat coverage, you can be certain that you will not be able to afford to repair or replace the boat either!

No matter how you look at it, you need boat insurance, even if you just purchase the watercraft liability coverage. Again, most states now require this liability coverage for water vessels, and if the boat is financed, the optional coverage may be required as well.

Discuss your boat insurance coverage needs with your insurance agent to determine what coverage is right for you and your boat.