With snow coverage in 49 of the 50 states this year, warm weather can't come fast enough for boat owners. But before it's the prime boating season, it's time for agents to start talking to customers and prospects about insurance. Are customers properly covered when it comes to boat insurance? Maybe a better question would be, do they know if they are properly covered?

Many boat owners don't have proper insurance coverage for their craft. Some aren't covered at all. It's not until they find out the hard way they weren't insured correctly: claim time. That's why it's so important for agents to inform their customers and make sure they help them get the right coverage.

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