Andy Whitcomb 6/29/2015 The freshwater drum does not get enough respect as a sport fish. In fact, in most states it is not considered a game fish and regulations may fall under the heading of “other.” It is a rarely targeted species, more often a […]
Month: June 2015
Debbie Hanson 6/28/2015 Any angler who has thrown a 10 to 12-foot cast net over a dozen times in an attempt to capture enough live bait for a day of fishing understands the value of keeping that bait alive for as long as possible. This […]
Every trip out on the water is an opportunity for adventure. And the more prepared you are, the better experience you’ll have. That’s why, beyond following safe boating practices, you can also help protect yourself — and your boat — with boat insurance. Here’s a breakdown of the protections you may find in a typical policy.
Protections Offered By Boat Insurance
Loss or damage to your boat. Boat insurance typically helps cover damage from a collision in the water, fire, or lightning strike. Boat policies typically also offer protection if your boat is vandalized or stolen, and may help cover other related belongings, such as fishing equipment.
The protection typically covers the boat whether it’s on land or in the water, and not only includes the boat itself; you’ll likely find that coverage extends to your machinery, fittings and some equipment, such as the boat’s anchor. Other equipment, like outboard motors and trailers, is often covered separately, so you may need to purchase separate coverage for certain equipment you want to protect.
Policies will vary, though, in terms of their coverage, so be sure to ask your agent about any specifics before you buy. Some questions to consider asking: Does the policy cover the cost of towing? Is personal property on the boat (like fishing gear) covered? Are there restrictions on which waterways I’m allowed to navigate?
Liability protection while boating. It’s also important to remember that your financial responsibility as a boat owner isn’t just about the cost of patching up your vessel or replacing it when something goes wrong. There’s always a chance that you might cause a mishap that injures someone or damages their property. That’s where liability coverage can help. If you are at fault for an accident, it typically kicks in to help pay for damage to someone else’s property, medical bills or legal costs.
Why Homeowners Insurance Isn’t Enough
Some new boat owners assume their watercraft will be covered by their homeowners policy. While you may find that your homeowners coverage helps protect your boat and related equipment from certain occurrences, specific limits for boats are often less than the value of your boat. You’ll typically find that boat insurance will help protect your watercraft from a greater number of events, too.
And if you rely on your homeowners policy, you may also find yourself without any liability protection, because the liability coverage from a standard homeowners policy may not extend to your boat, says the Insurance Information Institute.
That’s why a separate boat policy makes good sense. You’ll probably agree that the money you spend to protect your boat – and your own liability when you captain it – can help bring you peace of mind when you’re out for a day of fun on the water. This guest post comes from the editors of The Allstate Blog and Allstate’s Tools & Resources, which help people prepare for the unpredictability of life.
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Since June is National Great Outdoors Month, it’s the ideal time to create a great new summer playlist using music that fits the outdoor theme. Whether you’re fishing, boating, hiking or camping, having the right music along sure seems to make time spent with friends and family even more memorable.
Here are seven songs that are perfect for creating a great outdoors month playlist:
Pontoon, Little Big Town — This catchy song about floating along on a pontoon is sure to lift your spirits. My favorite verse is towards the end where this country duo sings, “5 mile an hour with aluminum side, wood panelin’ with a water slide, can’t beat the heat, so let’s take a ride.”
Five Pound Bass, Robert Earl Keen — This is just a simple, but fun, fishing song about one man’s on-going quest to catch a five pound bass. Wouldn’t great outdoors month be a whole lot greater if you just had a photo of yourself holding a five pound bass? Get out there with your spinnerbaits and Texas-rigs!
Just Fishin’, Trace Adkins — Get a tissue out. This country song about a father and daughter fishing together will pull on your heartstrings.
Sitting on the Dock of The Bay, Otis Redding — Who could leave out this classic tune by Otis Redding? Most everyone knows the words, so click play and get your friends or family to sing along. “Sittin’ in the mornin’ sun, I’ll be sittin’ when the evenin’ comes. Watchin’ the ships roll in, then I watch ’em roll away again, yeah.”
Bob Away My Blues, Clint Black — Most anglers can relate to those days when they have “bobbed away the blues.” This song was written by Toy Caldwell and recorded by the country artist Clint Black (it was also recorded by the Marshall Tucker Band in 1975).
Only the Ocean, Jack Johnson — This song is as smooth as a gentle rolling tide. If you’re ready to relax and unwind at the beach or on your boat, just close your eyes and let Jack’s voice carry you away into a state of ocean-loving bliss.
Knee Deep, Zac Brown Band feat. Jimmy Buffett — Any cares or worries you have are sure to be put in proper perspective as you listen to this tune by the Zac Brown Brand featuring Jimmy Buffett. The best verse ever is, “Only worry in the world is the tide gonna reach my chair.”
Use these seven songs to start your great outdoors month playlist, then go buy your fishing license online, gather up your fishing gear, head to your favorite fishing spot and hit “play” to listen to your official outdoor summer soundtrack.
Andy Whitcomb 6/15/2015 “If it bends, it’s funny. If it breaks, it isn’t.” Woody Allen’s Crimes and Misdemeanors. A significant portion of our family fishing time currently is consumed by my kids’ baseball and softball games and practices. During one particularly lengthy practice my thoughts […]
He provided endless hours of patient instruction, and ecstatically cheered you on when you reeled in your #FirstCatch. There’s no question about it, your Dad couldn’t have been prouder when you landed your first fish all on your own. Since then, you’ve probably been fishing together dozens, perhaps even hundreds of times.
With Father’s Day coming up, you have the opportunity to show Dad just how much those cherished memories mean to you by giving him a creative fishing-related Father’s Day gift. Need some ideas? I’ve got you covered! Below are five Father’s Day gifts that every angling Dad will appreciate.
Tickets to a local boat show. Boat shows are a great way for Dad to check out all of the latest boat models, boat accessories, engines, electronics and dock equipment. You can surprise Dad by planning ahead and buying him tickets to an upcoming local boat show in your area. Find a list of upcoming boat shows and events, then call the boat show management office to ask about purchasing advance tickets by phone or online.
Gift certificate for a fishing charter. Get Dad out on the water with his favorite fishing charter captain or fishing guide. Ask the fishing charter captain if they are able to provide a printed gift certificate so that you can put it inside of his Father’s Day card. Then, maybe if you’re really lucky, Dad will take you along when he decides to cash it in.
Gas card. Dads can always use a gas card. Gas cards can be purchased at many local gas stations and large marinas. Regardless of whether he decides to use it for his boat or for his truck (if he’s planning to drive a few hours to go on a long-distance fishing trip), a gas card will come in handy.
Donation to Dads Give Back. Dads often prefer to receive non–traditional gifts, so help your Dad celebrate his day in a different way — by giving back to the future generation of anglers and supporting the idea of conservation through participation. Kids and spouses can support Dad on Father’s Day by making a donation in his name to the Recreational Boating & Fishing Foundation (RBFF). Use the “Program Area” drop down box and select the “Dads Give Back” option.
Father’s Day Fishing Trip Coupon. Since nothing is more important than spending quality time with Dad, you can download the TakeMeFishing.org “Fishing Adventure Coupon” and let him know how much your fishing time together means to you. Give him the coupon tucked inside of a new fishing hat or roll the coupon up, and then tie it together with a ribbon and a bobber.
Now that you have five great gift ideas for Father’s Day, use the TakeMeFishing.org “Places to Boat and Fish Map” to help you find the best spots in your area to take Dad fishing on Father’s Day.
Photo Credits: Chad Hoover (Father-Daughter Bass Fishing From Kayak), Noelle Fischer (Father-Daughter Saltwater Fishing on Boat)
Debbie Hanson 6/12/2015 You may be surprised to learn that even the simple act of purchasing your fishing license helps to contribute towards fishing conservation efforts. However, purchasing a fishing license is just the first step. There are several other surprising ways you can help […]