Spending time on the water can be one of the most relaxing and exhilarating experiences. Whether you’re cruising Florida’s Gulf Coast, fishing inland lakes, or towing the kids on a weekend tubing adventure, boating is about freedom, connection, and enjoying the outdoors.

But with that freedom comes responsibility. As boaters, it’s critical to take safety seriously—not just for ourselves but for our passengers, other boaters, and everyone sharing the water. While the water may look calm and inviting, conditions can change quickly, and accidents can happen when safety practices aren’t followed.

In this article, we’ll cover 10 essential boat safety tips every boater should know. Whether you’re new to boating or a seasoned captain, these guidelines can help ensure a safer experience every time you leave the dock.

Each state has its own boating laws, license requirements, and navigation rules. In Florida, for example, anyone born on or after January 1, 1988, must complete a boater safety education course to operate a boat with a motor of 10 horsepower or more.

Before heading out, familiarize yourself with:

• State boating regulations (including registration and education requirements)
• Speed limits and no-wake zones
• Navigation markers and channel rules
• Seasonal or restricted areas

Operating a vessel without understanding local laws can lead to fines, accidents, or worse. Consider carrying a printed guide or using a mobile app like BoatUS or Navionics to stay updated.

Life jackets aren’t just for kids or emergencies. They’re a vital, non-negotiable part of boat safety. According to the U.S. Coast Guard, most fatal boating accidents involve victims who were not wearing a life jacket at the time of the incident.

Key things to remember:

• One life jacket per person on board—fitted correctly and in good condition.
• Children under a certain age (often under 6) must wear a life jacket at all times while on deck or underway.
• Jackets should be U.S. Coast Guard-approved and appropriate for the type of boating you do.

Inflatable or low-profile models are available for those who prefer less bulk—but no matter the style, it only works if it’s worn.

Even experienced boaters can benefit from formal education. Boater safety courses teach important skills such as:

• Handling emergencies
• Navigating in rough waters
• Towing safely
• Understanding rules of the waterway
• Recognizing weather changes

Many courses are available online, through the U.S. Coast Guard Auxiliary, or from state wildlife and parks departments. Completing one not only improves your confidence and safety—it can also lead to a potential discount on your boat insurance.

Weather on the water can change quickly and dramatically. What starts as a clear, sunny day can turn stormy with little warning, especially during summer months in Florida.

Before your trip:

• Check a marine forecast, not just the regular weather report.
• Watch for small craft advisories, wind warnings, and changing barometric pressure.
• Use radar or marine weather apps for real-time updates.

If you see dark clouds approaching, sudden wind shifts, or rising waves, it’s best to return to shore. Your safety should always come before sticking to the day’s boating plan.

Every vessel has a maximum weight capacity, including people, gear, fuel, and any added equipment. Overloading your boat can reduce stability, cause capsizing, and affect how well it handles.

• Check the capacity plate (typically located near the helm or transom).
• Distribute weight evenly to prevent listing or trimming issues.
• Factor in things like coolers, tackle boxes, anchors, and water toys.

Taking on too much gear or too many passengers can compromise performance and put everyone at risk.

A float plan is a simple but powerful tool that can make all the difference in an emergency.

Before heading out, let someone on land know:

• Your departure point and time
• Where you’re going and your expected route
• Who is with you
• When you expect to return
• Emergency contact info

You can even email or text a float plan using templates from the U.S. Coast Guard. If your boat goes missing or you’re overdue, having this info on file helps responders act quickly.

Operating a boat under the influence is not only illegal—it’s dangerous. Alcohol and drugs affect coordination, decision-making, and reaction time. On the water, these effects are magnified by sun, motion, and heat.

According to the U.S. Coast Guard, alcohol is the leading known contributing factor in fatal boating accidents.

Designate a sober skipper or wait until you’re safely docked before enjoying that beverage. Your safety—and the safety of your passengers and others—is too important to risk.

Before each trip, do a quick onboard inspection. The following safety items should be checked, fully charged, and in proper working order:

• Fire extinguisher (must be readily accessible and up to date)
• Visual distress signals (flares, flags, or signal lights)
• Sound-producing device (such as a whistle, horn, or bell)
• First-aid kit (well-stocked and waterproof)
• Navigation lights (especially if boating at dawn, dusk, or night)
• Anchor and line (suitable for the size of your boat)
• Tool kit and spare parts (for basic mechanical issues)

It’s also smart to have a marine radio on board, especially if you boat offshore or in remote areas with spotty cell service.

Sharing the water means practicing courtesy and caution. Whether you’re passing a slower boat, pulling into a marina, or towing a skier, always stay alert to what’s happening around you.

Tips for safe interaction:

• Maintain a safe speed, especially in crowded areas or marinas.
• Keep an eye out for swimmers, paddle boarders, and kayakers, who may be hard to spot.
• Use appropriate signals and horn blasts to indicate turns, stops, or passing.
• Yield the right of way to sailboats and vessels with restricted maneuverability.

A small lapse in attention can lead to major consequences—so always keep your focus on your surroundings.

Responsible boating includes being prepared for the unexpected. That means carrying valid registration, a boating license if required, and ensuring your insurance policy is up to date.

Boat insurance typically includes coverage for:

• Physical damage to the boat
• Liability for bodily injury or property damage
• Towing or assistance costs
• Uninsured or underinsured boater incidents

Coverage needs vary based on boat type, usage, and location. If you have questions about your policy or want to review your options, reach out to a licensed agent. They can walk you through what’s included and help you find a solution tailored to your situation.

While the above tips are essential, here are a few bonus practices that can further enhance your safety on the water:

• Wear polarized sunglasses: They reduce glare and help you see beneath the water’s surface.
• Hydrate and wear sun protection: The combination of heat, wind, and sun can lead to fatigue or dehydration quickly.
• Teach passengers about safety: Show everyone where safety equipment is stored and explain how to use it.
• Secure loose items: Prevent tripping and make sure gear stays put in rough waters.

Boating is more than a hobby—it’s a way of life for many. Whether you’re headed out for a peaceful afternoon or a high-energy weekend, preparation and safety should always come first.

These 10 boat safety tips aren’t just rules—they’re habits. By making them part of your routine, you help ensure that every trip is a safe one, for you and for everyone who joins you on the water.

At Comegys Insurance Agency, we’re proud to support Florida’s boating community. If you’d like help reviewing your boat insurance or discussing how to prepare for the unexpected, our team is here to assist.

Have questions? We’re only a phone call or email away—and we’re always happy to help you navigate with confidence.

Stay safe. Stay smart. And enjoy the ride.