{"id":3112,"date":"2017-07-24T08:00:14","date_gmt":"2017-07-24T13:00:14","guid":{"rendered":"https:\/\/flagshipinsuranceservices.com\/?p=720"},"modified":"2020-04-27T07:57:25","modified_gmt":"2020-04-27T12:57:25","slug":"what-you-need-to-know-about-renting-and-operating-a-jet-ski-or-boat","status":"publish","type":"post","link":"https:\/\/flagshipinsuranceservices.com\/index.php\/2017\/07\/24\/what-you-need-to-know-about-renting-and-operating-a-jet-ski-or-boat\/","title":{"rendered":"What you need to know about renting and operating a jet ski or boat"},"content":{"rendered":"

It\u2019s hard to believe summer is here! The weather has finally gotten nice and my family is planning our annual trip to northern Wisconsin. I can\u2019t wait to hop on that jet ski and take it for a spin around the lake.
\nMany places rent jet skis or boats for a day or a week. They typically offer many options, which is nice because not everyone likes the same thing. What\u2019s also nice is that some policies provide automatic physical damage coverage if someone damages the jet ski. It may also include liability coverage for any injuries I might cause to someone else because of my driving.
\nI appreciate that this coverage is available and we don\u2019t have to buy insurance from the rental facility. In fact, not only does my policy provide coverage under the homeowner\u2019s portion, it also provides coverage under the umbrella portion.
\nYou may have that coverage too, depending on your policy. Keep in mind, however, that you have only as much coverage as your policy\u2019s limits. So if you have $100,000 of homeowner\u2019s personal liability coverage, that\u2019s the maximum that will apply to your rented boat or jet ski if you\u2019re liable for injuries to other people.
\nThe physical damage limit will be the same as your personal liability limit. So if you carry $100,000 of personal liability, that\u2019s also your physical damage coverage limit or what\u2019s available to cover damages to the rented boat or jet ski.
\nNow keep in mind this is a feature of certain polices, so you might want to check with your agent to see if you\u2019re protected if you rent a boat or jet ski.
\nHere are safety tips and other resources to keep you safe if you\u2019re boating or jet skiing this summer.
\nSafety Tips<\/strong>
\n– Understand U.S. Coast Guard requirements and state laws and regulations.<\/strong>
\n– Read your owner\u2019s manual and understand the various on-board warnings located on your boat or jet ski.<\/strong>
\n– Wear a life jacket.<\/strong> While this sounds like common sense, the excitement of getting on a jet ski or riding in a boat may take your focus off safety. A life jacket is like a seatbelt. It should be worn at all times because it can increase your chances of survival if there\u2019s an accident. http:\/\/www.uscgboating.org\/safety\/life_jacket_wear_wearing_your_life_jacket.aspx
\n– Stock your boat.<\/strong> Make sure you have an appropriate life jacket for each person onboard. An adult life jacket is not appropriate for children. In addition, if you plan to be on the lake for the day, make sure you have plenty of water, sunscreen, medications, and snacks. Lastly, make sure you have a fire extinguisher, flares, maps, and communication devices in case you run into trouble.
\n– Bring a back up.<\/strong> If you\u2019re boating with friends or family, make sure somebody other than the driver is familiar with the boat. It\u2019s not a safe idea for one adult to take a boat full of children out tubing. If the primary driver is injured or unable to navigate, it\u2019s vital that a passenger is also familiar with the boat and can get you back to land safely.
\n– Keep an eye on the weather.<\/strong> Summer weather can change quickly. Pay attention to your local forecast and consider signing up for weather alerts that can be sent to your Smartphone.
\n– Be aware of your surroundings.<\/strong> Depending on the time of the year, boat traffic can be heavy on the lake. Make sure you always keep a close eye on what\u2019s happening around you. If pulling a tube or skier behind your boat or jet ski, always have a spotter to alert you of issues.
\nAdditional Resources
\nSea Doo safety video<\/a>
\nU.S. Aids to Navigation System<\/a>
\nBoating Safety Resource Center<\/a>
\nAl Roker Radio PSA<\/a>
\nI can\u2019t wait to get up north and enjoy summer activities, because before we know it, we\u2019ll be shoveling snow again!<\/p>\n","protected":false},"excerpt":{"rendered":"

It\u2019s hard to believe summer is here! The weather has finally gotten nice and my family is planning our annual trip to northern Wisconsin. I can\u2019t wait to hop on that jet ski and take it for a spin around the lake. Many places rent jet skis or boats for a day or a week. […]<\/p>\n","protected":false},"author":3,"featured_media":3090,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-3112","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts\/3112","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/comments?post=3112"}],"version-history":[{"count":0,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts\/3112\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/media\/3090"}],"wp:attachment":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/media?parent=3112"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/categories?post=3112"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/tags?post=3112"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}