Spring brings warm temperatures and sunny skies, and many of us take to the water for recreational boating. While boating can be a great way to enjoy the outdoors, it’s important to put safety first. According to the U.S. Coast Guard, in 2023 there were 3,844 recreational boating accidents, resulting in 564 fatalities and 2,126 injuries as a result of recreational boating accidents.

National Safe Boating Week is May 16-22, 2026. Take precautions and use these tips from the Safe Boating Council to make boating a fun — and safe — experience.

Before you get on the water:

• Prepare your boat. Schedule a vessel safety check with your local U.S. Coast Guard Auxiliary or U.S. Power Squadrons. Often free of charge, these checks can be done at various locations, including at the boat or in your driveway.
• Know the latest marine weather forecast and dress for the water temperature, not the air temperature. Be prepared for wind and sun. A sunny 66-degree day can feel great on the shore, but cruising at 20 knots for half an hour can get chilly.
• Install a weather app on your smartphone so you can receive weather updates and warnings as they’re issued by the National Weather Service.
• File a float plan with someone you trust that includes details about the trip and emergency contacts.

When on the water:

• Make sure everyone wears a life jacket. Even experienced swimmers should wear a properly fitting U.S. Coast Guard-approved life jacket appropriate for the activity.
• Check your fuels and fluids. Top off your fuel before heading out. Check motor oil levels and coolant, filling as necessary prior to disembarking.
• Pack a good toolbox. Make a list of go-to tools for quick repairs, and keep them in a waterproof toolbox on the boat.
• Inspect the batteries. Pack spare batteries for handheld items like flashlights and portable navigational devices.
• Follow navigation rules, such as maintaining a proper lookout and safe speed.
• Never boat under the influence. Alcohol use is responsible for 21% of boating fatalities.
• Keep in touch. Cell phones, along with satellite phones, emergency position radio beacons, VHF radios and personal locator beacons can all help in an emergency.
• If you fall into the water, don’t panic. Stay afloat with the help of your life jacket, regain control of your breathing, keep your head above water in sight of rescuers, and stay with the boat if possible.

Enjoy your time on the water, knowing you’ve taken the necessary safety precautions. Also remember to properly insure your boat to protect yourself and your property. Contact your local insurance agent for more information on coverage available for recreational boats.

Jennifer Steffen has been an agent for American Family Insurance for 11 years. Her office is located at 2300 John F. Kennedy Road in Dubuque. Jennifer may be contacted at (563) 556-0525 or JSTEFFEN@amfam.com. To learn more, visit her website at www.JenniferSteffenAgency.com.