WEST BOUNTIFUL -- As springtime blossoms fade across the country and summer turns up the heat, many boatowners dust off their captain's hats and head for open waters. Unfortunately for many would-be skippers, a lack of basic safety or adequate insurance coverage can dry up their good times. Boat safety makes good sense. Taking a boating safety course, acting defensively, and always wearing your life jacket can help prepare you for making the most of your summer boating fun. "Boating safety courses are not only helpful; they may also save you money on your boat-owner's insurance," said local Exclusive Agent, Franklin Forrey,

"For example," he added, "Allstate customers may be eligible for a boating education discount of five percent after completing a qualifying boating education course."

Protect yourself with boat- owner's insurance. Boat insurance can provide year-round protection for your boat. A boatowner's policy can cover your boat, motor, and equipment from such hazards as:



- Theft/vandalism

- Windstorm, hail and lightning

- Fire, explosion

- Damage in transit, collision and sinking

Liability and medical payments coverage can also help protect you and your passengers in case of accidental injuries or medical expenses resulting in injuries received during a boating accident.

Being smart can help keep your boat safe. Taking a few simple precautions can keep your boat from being the target of a boat theft crime wave. Allstate offers the following tips to help keep your boat safe from thieves:

- Secure it with a lock

- Keep the boat trailer secured with a tongue lock

- Keep it out in the open

- Situate it so that it would cause a large commotion to try and steal it

And be sure you are adequately insured. Boatowner's insurance won't prevent your boat from sinking, but it can definitely help keep your finances afloat when accidents occur.

Franklin Forrey can be reached at (801) 397-2236 or via e-mail at fforrey@allstate.com. His offices are located at 2226 North 640 West in West Bountiful.