In tough economic times some people are tempted to let insurance coverages lapse. Should you ever need to use your watercraft insurance, however, it is one of the best investments you could make. Here are a few things to consider:

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• If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.

• If you or any passengers are injured in an accident, medical costs can be extremely expensive.

• If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.

• If you are injured by an uninsured boater, uninsured watercraft coverage will provide coverage for you.

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Your watercraft needs protection on the water, and on land, with coverage for you, your guests, and your boat. Thinking of buying a boat? Check with your agent to see what it will cost to insure it.