5 Essentials For A Successful Summer At The Lake

5 Essentials For A Successful Summer At The Lake

10:41 19 June in Insurance

5 Essentials For A Successful Summer At The Lake

Summer in the Midwest can’t be taken for granted. With only a few months to enjoy the outdoors, many of us spend the majority of this time in lake country. To ensure you make the most of this time, we’ve compiled the 5 essentials for a successful summer at the lake.

Fishing License

Whether you are an avid fisherman or simply enjoy throwing a line in the water while sipping on a drink and baking in the sun, a fishing license is something you will need to have.

“But why? I just throw them back anyways.”

It’s a common misconception that fishing license funds go to the state’s general fund. There are various important reasons for purchasing a fishing license:

  • It’s the law.
  • Helps state departments conduct fish population research
  • Maintaining public access (public marinas and boat ramps, fishing piers and more)
  • Acquiring habitats
  • Improving fish habitats
  • Stocking fish
  • Conducting fisheries research

 

Buying a fishing license is a win-win. Make sure yours is current.

Boat (And All Watercraft) Insurance

boat insurance

As we embrace our 6 months of paradise, many of us will spend countless hours fishing, tubing, skiing, and begging for relaxing boat rides. As we embrace these memories and happily escape reality for the weekend, unfortunate things do happen. It’s crucial to understand that, just like your car, your boat is a vehicle vulnerable to unforeseen damage and the injury of those on it. Protect yourself, others, and your boat itself with a proper boat insurance policy.


PROPERTY DAMAGE
Without proper boat insurance, you put yourself at unnecessary risk of losing your investment to negligent accidents or other unforeseen events. Whether a severe storm wreaks havoc, you accidentally collide with your dock, or someone decides to vandalise or steal your boat, boat insurance is necessary to recoup your repair costs or boat replacement.

Boat insurance will also cover all resulting expenses if an uninsured boat causes damage and injury to your boat and passengers.


LIABILITY
Your boat isn’t the only thing that has the potential to take damage. As humans, we are attracted to negligence and mishaps. It’s just in our nature.

For example’s sake, let’s say you are presented with a large set of waves, produced by a passing boat. Naturally, you and your passengers view this as an opportunity to get a quick thrill. As your barrell through the waves, your friend loses their footing and slams into a part of your boat. Initially feeling fine, he or she later realizes they received whiplash from the event and now need medical attention. Without boat insurance, it is likely you will be held liable for all medical bills associated with the whiplash. With boat insurance, not only will all medical bills will be covered by your insurance provider, you will also avoid unwanted tension in your relationship with injured friend or family member.

This coverage will additionally cover expenses caused to other boats and its passengers.

When it comes to purchasing your boat insurance, it’s important to understand the flexibility of our plans. For example, if you feel confident that no one will be injured on your boat, but are concerned about possible structural damage to your boat, you are free to opt out of the liability coverage. Or vice versa. Depending on your needs and concerns, your Ihry Insurance partner will present several policy options, allowing you to make an informed decision.

Camping Hacks

Whether you have a lake cabin or not, one of the most enjoyable lake activities is camping. These MacGyver-esque camping hacks will not only impress, but will make your camping experience, and those to come, far more enjoyable and memorable.

Storm Safety

Getting hit by a severe storm this summer is inevitable. Unfortunately for some, they are busy cruising around the lake when it strikes.

STAY CALM
The most important thing to remember when the unthinkable happens is to stay calm. Remind everyone to wear their lifejackets and to keep staying safe as their highest priority.

BE AWARE
Check to see what surrounds you. How close are you to other boats? If your visibility is down to a minimum, slow down to ensure you don’t run into dangerous shorelines or nearby watercraft. Try honking your horn at 20 second intervals to be sure that your location is known to other panicked boaters.

STICK WITH THE BOAT
If your crew falls overboard, be sure to stay nearby the watercraft (of course, this varies by situation). It is much easier for rescue crews to find boats than it is to find stray human beings. Your risk of hypothermia or other diseases caused by extreme temperature changes also drastically decreases the less time you spend in the water.

COME PREPARED
Obviously, be sure to have essential boating safety gear on board whenever you leave shore. Lifejackets for everyone riding, a GPS and a working radio tuned in to the national weather service.

DON’T SEND YOUR ANCHOR OUT
Tossing your anchor in is usually not a good idea unless you have lost all of your visibility or you are in a very near proximity to a dangerous shoreline.

Heat Safety

As summer temperatures increase and we ponder why people ever settled here, so do the risks of heat stroke. Heat stroke is the most serious form of heat injury and is considered a medical emergency.

ACTION

  • Call 911 Immediately
  • Get the person or yourself, into a cool, shaded environment.
  • Remove excess clothing.
  • Cool the person or yourself, with whatever means possible.
  • Place cold towels or ice packs on head, groin, armpits, and neck.

 

CONCLUSION

Heat stroke doesn’t need to be scary. As long as you make sure to drink plenty of water, wear light clothing, and avoid long exposure to the heat, your summer can be exactly how you planned it to be.