Boating season is calling—and for most of us (except maybe our year-round friends in Florida), that means getting ready to head back out on the water. But before you start planning weekend adventures or stocking up on snacks for the cooler, there’s one  task that often gets overlooked: checking your boat insurance.

Here's a quick and easy checklist to help make sure your coverage is set and ready for boating season and beyond. 

Check Your Coverage in a Few Simple Steps:

1.      Check Your Lay-Up Period

If your policy includes a lay-up period—a stretch of time when your boat is out of commission and covered for storage—confirm those dates. 

Make sure you’re launching during the navigation period, and if your boat is hitting the water earlier than planned, let your insurer know.

» MORE: Winter Layup Boat Insurance Discounts

2.      Give Your Policy a Quick Once-Over

Reviewing your insurance policy probably isn't as exciting as gearing up for the season or planning a day on the water, but it's just as important. Ask yourself:

• Have you made any upgrades or changes to your boat since last year?
• Added any expensive equipment like electronics or new safety gear?
• Changed where you store or dock your boat?

If you answered yes to any of these, it might be time to adjust your policy to keep everything properly covered.

» MORE: How to Ensure You Have the Right Coverage

3.      Take a Second Look at Your Coverage

It’s easy to set your policy and forget about it, but now is a great time to make sure everything still fits your needs. A few things to double-check:

• Liability Coverage: Do you have enough protection if you're at fault in an accident?
• Towing and Assistance: Are you covered if you break down on the water?
• Personal Property Coverage: Are your gear and gadgets, like rods, skis, or marine electronics, included in your coverage?

Manage Your Insurance Anytime, Anywhere with SkiSafe:

We know boaters are always on the move, so we made managing your insurance as simple as possible. With SkiSafe’s online platform, you can take care of your policy wherever you are—at home, on the road, or right at the dock.

Here’s what you can do online, anytime:

1.      Easy Policy Access & Updates

Need to update your lay-up dates, switch storage locations, or add new equipment to your policy? No problem. Log in anytime to:

• View and download your insurance documents
• Update your contact or payment info
• Make changes to your policy based on your boat’s needs
• Add new coverages like towing and personal property
• And much more

2.    Reach Out to Our Team—Fast

Have questions or need support? Our team is here to help. You can:

• Contact our customer service team via phone or email
• Request help with policy changes or claims
• Access FAQs and boating insurance tips anytime

3.    Report a Claim Without the Hassle

In the unfortunate event of a loss or accident, you can file a claim directly from your account—no waiting. 

4.    Find Savings You May Have Missed

Keeping your information up-to-date doesn’t just help with coverage—it can also save you money. When you manage your policy online, you might qualify for:

• Lay-up period discounts
• Safe boating rewards
• Navigable waters savings

Bottom Line: With SkiSafe, you're in the captain’s seat—every step of the way. Manage your policy when and where it works for you, with tools that put the control right at your fingertips.