Many boat owners don't actually have the insurance they need. (Shutterstock) Boat insurance is not a requirement for recreational owner-operated water vessels. As a result, many boat owners don't actually have the insurance they need. (Shutterstock)

For many, summertime can be the most exciting time of the year. School is out, barbecues abound, and vacations fill the calendar.

But celebrating summer is not without its perils, including severe thunderstorms, extreme temperatures, and all manner of backyard accidents.

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