It seems like in Colorado, Summer is just about always around the corner, and that means a lot of people will be taking their boats out of storage and heading for water.  With all the excitement of the first boat outing of the year, don’t forget to secure your boat insurance ahead of time as well as making sure your boat registration is up-to-date.

Boating and other water sports are great ways to enjoy the excellent summer weather we have in Colorado.  If you’re looking for the top Colorado boating lakes, we’ve compiled a list of some of our favorites here.

And, if you’re fortunate enough to own a boat, we can offer a wide range of insurance coverage to make sure you’re protected if something goes wrong.

For starters, you’ll want to make sure you have boat insurance to cover damage to your boat and any liability for injuring someone or damaging their property. That’s basic.

With our Plus and Elite boat insurance plans, we also offer Total Loss Replacement. In the event of a total loss, this coverage pays the amount of insurance shown on your Declarations Page. If you replace your boat with a new one of like kind and quality within 365 days of the loss and the replacement cost exceeds the amount of your insurance, we’ll pay you the amount spent for the replacement — up to 120 percent of the amount of your policy.

Water sports are fun. But they can also be dangerous. So, we recommend boat liability coverage for watersports such as skiing, tubing and wakeboarding.  Many boat owners are shocked to learn that your boat insurance liability might exclude bodily injury from water sports.

We offer diminishing deductibles on many of our boat insurance policies. With this coverage, we’ll reduce any applicable deductible by 25 percent for each consecutive year a watercraft has been insured without a loss.

We can also cover your liability from gasoline spills and offer extended pollution liability coverage. With extended pollution liability coverage, we will pay up to the statutory limit as specified in the Oil Pollution Act of 1990 in addition to the limit of personal liability coverage you’ve purchased.

Many boats depreciate over time. With Agreed Value Settlement coverage, we will pay you a set dollar amount in the event of a total loss.

We also offer coverage for your boat trailer and Wreck Removal Coverage, which pays the cost to recover or dispose of the wreck of your watercraft up to your liability limits.

And we offer several discounts: Five to 20 percent taking a boat safety course; 10 percent for paying in full up front; eight to 16 percent for having multiple policies with us; 10 to 15 percent for owners of multiple boats; seven percent for boat owners over 55. And we offer storage discounts for boats in storage more than three months a year — which includes virtually every boat in Colorado.