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fve things you should know about boat insurance
Are you ready to embark on your next on-water adventure? Before you set sail, here are fve things to know about boat insurance.
1. Boat insurance isn’t just for accidents
With comprehensive coverage, you’ll also be protected fnancially for theft, vandalism, and unexpected events like storms if you need repairs or replacements due to damage. 2. Accidents can happen to anyone
When accidents happen, boat insurance offers liability coverage for damages or injuries you cause while boating, up to specifed limits. It can also cover lawsuit costs if you’re sued.
3. Boat insurance can cover medical payments
Boat insurance offers a range of optional medical payments coverage limits, helping to cover medical expenses if you’re in an accident or someone is hurt on your boat, regardless of fault.
4. Most lenders require boat insurance
If you fnanced your boat, you’ll likely need boat insurance since most lenders require boat insurance to protect their investment. Additionally, some marinas or municipalities require proof of insurance for docking.
5. Progressive offers specialized boat coverages
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Flounder Fishing 101
Do you want to catch more !ounder? You will need to nd an area with current, bait and structure for the !ounder to ambush its prey.
Where are they?
Flounder are very prevalent in creek mouths, jetties, sandy points, oyster bars, docks and any other underwater structures. e !ounder will take advantage of the structures to block the current, saving them energy and bringing bait right to their gluttonous mouths.
Flounder are the perfect ambush predator. ey like to bury in the sand adjacent to structures of some kind facing directly into the current. Your lure presentations always need to come from up current or you will spook them.
What do they eat?
CAPT. MIKE SMITH
and bait sh imitations.
Flounder love to eat unsuspecting shrimp and sh brought to them by the current. e best lures to catch !ounder are scented shrimp
e best colors of lures to use for !ounder are any color as long as it is white. White is by far the best color of lure to catch !ounder. Do other colors work? Yes, if you want to catch fewer !ounders, then use something other than white.
e best lures that I have found for !ounder are Gulp! Shrimp and swimming mullets on a jig head. Start small and go bigger if you notice the bait in the area is large. Having an assortment from 3 to 5 inches will usually be perfect.
A great second choice for a !ounder lure is a white bucktail jig. Add a small piece of shrimp to add odor for best results.
How do you catch a flounder?
Flounder have a very small cone of awareness. ey are very unlikely to notice and
chase a lure that is more than 3 or 4 feet away from them.
ey also have a very small strike zone. ey are very hesitant to rise more than 18 inches o$ of the bottom to eat your lures.
Let’s say you found a beautiful oyster point at the mouth of a creek with plenty of current and bait !owing around it. is scenario is perfect for catching a !ounder.
Cast up current and work the lure on the bottom very slowly in 1 to 3 feet of water. When you think you hooked an oyster, set the hook. Flounder strikes are subtle and o en feel like a hang up.
It is very hard to work your lure too slowly for a !ounder. Old timers will tell you to just drag it on the bottom. I personally like to bounce my lures o$ the bottom being careful to not li it more than 18 inches into the water column.
Pro Tip: Use braided line and !uorocarbon leaders when shing for !ounder. Flouro sinks and helps you present your lures more e$ectively on the bottom. Braid doesn’t stretch and will help you feel a !ounder’s very subtle bites.
If you want to become an o cial !ounder pounder, then follow the tips above and catch more !atties. Go get ‘em!
Capt. Mike Smith, owner of Fish Your Ass O Charters, is an inshore "shing guide who has been "shing the inshore waters, oyster bars and grass ats of Florida for more than 40 years. Reach him at (561) 339-2317, email: contact@ "shyourasso .com or visit "shyourasso .com.
Sailfish in The Florida Keys
By Astrid deGruchy
Sailfish are the true showoffs of the Florida Keys. They’re fast, flashy, and love putting on a performance the second you put a bait in the water. One moment everything’s calm and quiet, and the next your reel is screaming while a sailfish is launching itself out of the ocean like it’s trying to win an Olympic medal. It’s the kind of chaos anglers live for.
The Keys are famous for having one of the best sailfish bites anywhere, especially from November through April. Cold fronts push schools of ballyhoo and other bait along the reef, and the sailfish stay right on their heels. Spots like Islamorada, Marathon, Key Largo, and Key West all fire off during the season, with most of the action happening along
that 80 to 200 foot reef edge. Most captains here rely on live-baiting and kite fishing, two methods that make sailfish practically impossible to resist. There’s nothing like watching a kite bait get
smashed on the surface. And on those calm, clear days after a front, you might even get to sight-cast to tailing sailfish cruising right along the top. It doesn’t get much better than that.
Strong conservation efforts keep sailfish thriving in the Keys, so anglers get to keep making these memories year after year. Whether you’ve done it before or if your someone trying it for the first time, hooking a sailfish here is unforgettable. It’s fast, wild, beautiful and classic Florida Keys fishing.
Follow deGruchy’s adventures at @bean_sportfishing on Instagram and on YouTube @BeanSportfishing.
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FWC APPROVES RULE CHANGES FOR GULF LANE SNAPPER
At its November meeting, the Florida Fish and Wildlife Conservation Commission (FWC) approved rule changes for lane snapper in Florida’s Gulf state waters to be more consistent with current and pending federal regulations.
Approved modi!cations of lane snapper in Gulf state waters include increasing the commercial and recreational minimum size limit from 8 inches to 10 inches total length, and establishing a 20-!shper-person recreational bag limit. ese changes are intended to reduce the risk of over!shing, mitigate the likelihood of early closures, and increase consistency between Gulf state and federal waters. e new Gulf lane snapper recreational regulations will go into e ect on April 1, 2026.
For the full Commission Meeting Nov 5-6 agenda including links to background reports, go to MyFWC.com/About and click on “ e Commission” and “Commission Meetings.”
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Boat Show Season Hits the Gulf Coast
When February arrives on the Florida Emerald Coast, boaters know what it signals. Longer days, improving weather, and the start of boat show season all point to one thing: another year on the water is just around the corner. For many local anglers and boaters, this time of year is the unofficial kickoff to boating season and the moment when plans for spring and summer begin to take shape.
Boat shows are where the season starts to feel real. It is a chance to step aboard new boats, check out updated electronics, and see what manufacturers and marine brands are bringing to the table for the year ahead. Even seasoned boaters enjoy comparing layouts, exploring new gear, and talking shop with dealers and experts who understand Gulf conditions, from inshore runs to offshore days.
Beyond the boats and gear, boat show season is about the Emerald Coast boating community. It brings together people who share a passion for fishing, time on the water, and the coastal lifestyle. With early-season opportunities, show-only incentives, and plenty of inspiration, boat shows help boaters get ready
for another great year on the Gulf before the season fully kicks in.
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HIGHS LOWS& ON LAKE 'O'
By Don Norton
For years, underwater vegetation in Lake Okeechobee has been disappearing, but now it’s making a comeback!
Last December, the U.S. Army Corps of Engineers started a “recovery” schedule for Lake Okeechobee, with the goal of getting the lake below 12 feet
for 90 days or below 11.5 feet for 60 days. !e lower lake level is needed for sunlight to reach the lake bottom and new submerged aquatic vegetation (SAV) to sprout.
Lake Okeechobee level was 12.08 on April 13, 2025, which was 2.82 feet lower than a year ago. By April 15th, the lake fell below 12 feet above sea level.
At the June 5 meeting of the South Florida Water Management District (SFWMD) Governing Board, scientists were hopeful the lake low would stay below 12 feet for the full 90-day target. If the water rises faster than the plants can grow, new plants could be damaged or lost.
!en, by June 22, 2025, the o cial Lake Okeechobee elevation was 10.99 feet.
Last year, on the same day, the lake was at 13.37 feet. And the year before that? A whopping 14.33! Even the historical average for that time of year (1965-2007) was 13.24 feet. !at meant we were sitting about 2.25 feet below average.
What did that mean for you, the angler? Well, lower water levels can concentrate the sh, making them easier to nd…sometimes. But even more importantly, you have to be extra careful navigating those shallower areas.
I don’t normally sh Lake Okeechobee, but thanks to Capt. Robin Clegg and his late summer YouTube videos, I ventured down to the “Big O” a couple of times and had a great time catching bass.
Launching at C. Scott Driver Park, I took Capt. Clegg’s advice and made the short trip to King’s Bar, and for the next couple of hours, caught bass a er bass on a wide variety of lures. !e key was to be there at rst light!
!e water was still pretty low, but as long as you shed the outside reeds, there was plenty of water (and bass).
Capt. Clegg, by the way, works out of Garrard’s Bait and Tackle, located at 4375 US Highway 441 in Okeechobee, just a couple of miles from the boat ramps.
As I write this article in mid-January, the water level is back up to 13.3’ thanks to all the rain we’ve received, the new plants are doing well—and the shing is still excellent!
Don Norton is Co-Publisher of Coastal Angler Magazine’s Okeechobee edition. Contact him at (863) 273-4998 or don@theanglermagazine.com.
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By Capt. Michael Okruhlik
water bites
February might not get the hype of spring break or summer tides, but pro cient coastal anglers know a secret: some of the best shing of the year happens when the crowds are gone, the water is cold, and the sh are predictable.
Winter has settled in by February. Water temperatures hover in the upper 40s to low 50s, especially a er a strong north wind. !at cold pushes bait and game sh into tighter zones, turning miles of water into a handful of high-percentage spots. If you can nd warmth, you can nd sh.
Speckled trout are the headline act this time of year. Big trout in particular prefer slow, easy meals in cold water, which is why February is prime time for trophy hunters. Deep guts, channels and drop-o s near shallow ats are key. Trout slide shallow during the a ernoon when the sun warms mud or dark grass, then fall back into deeper water when temperatures drop.
Slow presentations rule. So plastics on light jig heads, suspending twitch baits, and so jerk shads worked slowly can trigger reaction strikes. Make sure you know the gear ratio of your reel. You may think you are moving slowly, but if the reel is taking up a lot of line, you may be o target. Cold-water trout won’t chase far, but they will inhale an easy meal.
Red sh remain a dependable target throughout February. While they may not school as aggressively as in the fall, reds still prowl shorelines, back lakes, and marsh drains—especially on sunny days. Look for black mud bottoms that warm faster and concentrate bait.
Sight-casting opportunities can be outstanding on calm, clear days. Reds cruising skinny water are o en willing biters, even in cold conditions. Gold spoons, paddletails, and weedless so plastics shine here, particularly when worked steadily along shorelines.
February shing success is less about the tide chart and more about the thermometer. Midday is prime time. Early mornings can be brutally slow a er a cold night, but a few hours of sunshine can ip the switch fast. Pay attention to warming trends—two or three stable days can dramatically improve the bite.
Wind plays a major role this month as well. Strong north winds drain water out of bays and expose structure, which can help you locate sh holding in remaining deeper pockets. On calmer days, expect clearer water and more nicky sh.
February rewards patience, observation and con dence. It’s not about covering water—it’s about shing smart, shing slow, and being ready when that unmistakable thump signals a wintertime strike worth remembering.
As I write this article in January, it is near 80 degrees. With that said, if February feels like an early spring, follow your spring shing guidelines. !e sh don’t have a calendar.
Capt. Michael Okruhlik is the inventor of Knockin Tail Lures,® and the owner of www.MyCoastOutdoors.com.
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ATLANTIC SNOOK SEASON
OPENS FEB. 1
The recreational harvest of snook in the Florida Fish and Wildlife Conservation Commission’s (FWC) Northeast, Indian River Lagoon and Southeast management regions will open February 1 and remains open through May 31. During snook season, anglers may keep one snook per person per day that is not less than 28 or more than 32 inches in total length, which is measured from the most forward point of the head with the mouth closed to the farthest tip of the tail with the tail compressed or squeezed while the sh is lying on its side. Other regulations include:
• No commercial harvest or sale of snook is permitted
• Must remain in whole condition until landed ashore
• When on a for-hire trip, captain and crew may not retain a bag limit
• Allowable Gear: Hook and line only
• License Requirements: Snook permit and recreational shing license !e harvest of snook in all of Florida’s Gulf of Mexico state waters, including Everglades National Park and all of Monroe County, remains closed until March 1. Anglers may catch and release snook during the closed season, but the FWC encourages anglers to handle and release these sh carefully to help ensure their survival upon release. Proper handling methods can help ensure the species’ abundance for anglers today and generations to come. To learn more about sh handling, visit https://myfwc.com/ shing/saltwater/ outreach/ sh-handling/.
For more information, visit myfwc.com/ shing/saltwater/recreational/snook/.
Hooking Giants In Ketchikan, Alaska BUCKET
By Capt. Lukas Brickweg
If you’ve ever dreamed about catching halibut and cod in the wilderness of Alaska - rod bent, line screaming, and majestic wildlife abound – now is the time to turn that dream into reality. Every season in Ketchikan, Alaska, May marks the kicko! to world-class halibut and Paci c cod shing, and we are ready to put you on the sh of a lifetime.
May Is Extraordinary!
May is a special month in Southeast Alaska. e long daylight hours return, the ocean comes alive, and the early-season halibut move onto nearshore waters to feed. Halibut gather on the underwater ledges, humps, and sandy $ats, areas that we know like the backs of our hands, ranging from 200-400 feet.
At the same time, hungry Paci c cod patrol the same bottom structure, adding an action-packed bonus to every trip. “Alaska cod shing chaos” is the best way to describe
this seasonal bite. ere are no limits on retaining Paci c cod, allowing anglers to bring home huge hauls of cod and halibut. is means you can o en pull up a mixed bag of halibut, cod, and rock sh - making for one of the most productive and delicious shing experiences anywhere in the world.
Reeling up cod and halibut until your arms give out is a good way to summarize Alaska bottom shing in May.
May trips tend to ll quickly because the reputation for aggressive sh and minimum shing pressure. is combination equates to an anglers dream scenario. Whether you’re $ying in for our three to four day allinclusive lodging/ shing packages or on a cruise, it’s best to start planning and booking early. Ketchikan provides convenient $ights, accommodating guests from all over the US. Our all-inclusive packages provide airport transfer, lodging, meals, shing and sh processing.
The Bottom Line ere’s shing, and then there’s Alaska shing. And when it comes to halibut and
cod, May in Ketchikan is as good as it gets. So give us a call to book your spot, and come experience the thrill of hooking giants where every trip is a story worth telling.
Book your "Bucket List" trip to Alaska with Capt. Lukas Brickweg, of Ketchikan’s Finest Fishing Charters, at ketchikan shingtrips.com, call (907) 617-4717 or email ketchikan shingtrips@gmail.com.
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BRAVING THE COLD FOR BIG WINTER STRIPERS
By CAM Sta
Whether in saltwater or freshwater, excellent striper shing awaits anglers hearty enough to brave winter conditions. So layer up, zip into that parka, and go—some of the biggest sh of the year are feeding right now.
At the southern end of their fall migration, striped bass spend the winter o! the coast of North Carolina. ey follow schools of bait up and down the shoreline from Wilmington to the Outer Banks, feeding heavily along the way. In many years, Oregon Inlet becomes the epicenter of the action, though stripers can be found in most inlets throughout the region.
e key is to follow the birds, which o en reveal bass blowing up on menhaden, glass minnows, or eels. At times the action pushes close enough to shore that surfcasters can hook stripers right from the beaches of the Outer Banks. More o en, however, the best approach is hiring a local captain armed with recent intel and a fast boat.
Farther south, Wilmington provides another winter opportunity as striped bass stack up in the Cape Fear River. ese sh hold near structure, dropo!s, and creek mouths, and can be caught on arti cials—or even on $ies. is resident population is separate from the highly migratory sh wintering o! the Outer Banks. Cape Fear stripers are strictly catch-and-release and must be returned to the water immediately, so keep an eye out for tagged sh.
Meanwhile, freshwater reservoirs across the Southern states and into the Mid-Atlantic also produce solid winter striper shing. While smaller, schoolie-sized sh can become sluggish during the coldest periods, larger stripers continue to feed. e pace may not match summertime downline action over massive schools, but the sh that do bite are o en bigger.
Tactics vary by shery, but when water temperatures stabilize—or during a multi-day warming trend—the largest sh in the lake o en push shallow, sometimes surprisingly so, as they shadow schools of small shad. Find the $ickering bait, and you’ll nd the stripers. You may even see them picking o! prey near the surface. Stealth is critical in these situations, and so plastics like Flukes frequently outproduce live bait. ey’re easier to cast and allow for a slow, controlled retrieve.
Another e!ective approach is covering water by trolling wide spreads of small live baits, pulling umbrella rigs loaded with swimbaits, or combining both methods. When shing this way, good local information is invaluable. On some lakes, stripers spend the winter near the dam; on others, they push far up into the creeks.
Winter may test an angler’s resolve, but for those willing to endure the cold, striper shing can be at its best. From coastal inlets and rivers to inland reservoirs, striped bass remain active and accessible, o en with less pressure and a better chance at trophy-sized sh. Success comes down to preparation, paying attention to bait and bird activity, and adapting tactics to changing conditions. Bundle up, do your homework, and embrace the season—the reward could be the biggest striper of your year.
OVER 100 ANGLERS TO COMPETE IN 2026 BASSMASTER ELITE SERIES
Coming o! the heels of a record-breaking 2025 season that awarded 11 century belts, saw four- rst time champions (two of which were members of the 2025 rookie class) and garnered over 183 million social media impressions, B.A.S.S. has announced the 101-angler eld for an exciting 2026 Elite Series season.
is year, anglers will be put to the test with the use of forward-facing sonar only being allowed at ve of the nine regular-season Elite events. Anglers will be competing for a $100,000 rst-place prize at each stop of the season, while also accumulating valuable Progressive Bassmaster Angler of the Year points in hopes of making it to the 2027 Bass Pro Shops Bassmaster Classic presented by Under Armour.
“Each season, the Bassmaster Elite Series showcases the very best in professional bass shing, and 2026 will be no exception,” said B.A.S.S. Elite Series Tournament Director Lisa Talmadge. “We’re excited to welcome 101 incredibly talented anglers who represent the heart of this sport—a mix of proven champions, rising stars and hungry newcomers all ready to compete on some of the most iconic sheries in the country. It’s going to be an unforgettable season for our anglers and fans alike.”
With the exception of one angler, every 2025 Elite Series angler who quali ed is returning next year. e list of anglers includes 2025 Bass Pro Shops Bassmaster Classic champion Easton Fothergill of Grand Rapids, Minn., who won the most coveted trophy in bass shing during his freshman season on the Elites. Two-time Progressive Bassmaster Angler of the Year Chris Johnston will also join the ranks of returning anglers alongside Dakota Lithium Bassmaster Rookie of the Year Tucker Smith, who took home his rst blue trophy at the 2025 Bassmaster Elite at Lake Fork with a 127-pound, 8-ounce winning weight that also earned him a century belt.
Ten anglers from the Nitro Boats Bassmaster Elite Quali ers will also be joining the 2026 Elite roster, including 20-year-old Alabama phenom Fisher Anaya who claimed the 2025 Nitro Boats Bassmaster Elite Quali ers Angler of the Year title. Wisconsin’s Nick Trim clinched an Elite Series spot for himself alongside his big win at the 2025 Mercury B.A.S.S. Nation Championship at Upper Mississippi River presented by Lowrance. e 2026 Progressive Bassmaster Elite Series kicks o! on Alabama’s Lake Guntersville February 5. From there the tournament trail will wind through six states as anglers battle for cash prizes and attempt to qualify for the 2027 Bass Pro Shops Bassmaster Classic presented by Under Armour.
Each tournament will begin with the full eld of anglers on Days 1 and 2 before the eld is cut to the Top 50 on Semi nal Saturday. Only the Top 10 anglers will sh the nal day of the event, with a $100,000 rstplace prize and a blue trophy on the line. For the complete roster, and to keep up with all the action from the 2026 Elite Series season visit Bassmaster.com.
February Cold Water Offshore: Wahoo
This is the time of year to nd the wall of warmer water and get the wahoo bite going. All of the water nearshore is cold and where the 68- plusdegree water meets that cold water can be an excellent spot for targeting wahoo. is is a great time of year to target wahoo during the rst hour or two of your trip using high speed trolling. You can cover a lot of ground high speed trolling, which speci cally targets wahoo. Once the sun has been up for a few hours your chances at a wahoo bite diminish unless it’s an overcast or rainy day. Wahoo regulate the amount of sun they take in by going deeper as the sun rises, so midmorning is a good time to change tactics.
Slow dri s, kite shing and jigging the column with live baits is a great mid-morning tactic and the bigger the bait the better. ere’s no telling what you’ll raise during these colder days shing the temperature change. Never count out deep dropping near these temperature change areas either. Fishing the entire water column from the surface to the bottom turns a cold day into a cooler full of sh and some awesome dinners.
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