ve things you should know about boat insurance
Are you ready to embark on your next on-water adventure? Before you set sail, here are ve things to know about boat insurance.
1. Boat insurance isn’t just for accidents
With comprehensive coverage, you’ll also be protected nancially 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 speci ed 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 nanced 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 Ever worry about getting stuck on the water? Progressive’s Sign & Glide® On-Water Towing coverage** can help. It’s an additional coverage that steps in if your boat is disabled or breaks down on the water, paying for on-water towing, jump starts, soft ungroundings, and fuel delivery. Fuel cost isn’t included.
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DEAD BAITS CATCH HUGE REDFISH
Capt. Mike Smith
Have you ever tried to use big dead baits to catch huge redfish? If you haven’t, then you should.
Many of the larger predatory fish prefer eating fresh, dead baits over live baits so they can save energy.
The odds of becoming an over slot redfish are at least a million to one. An overslot redfish has figured out not only how to avoid predators and how to conserve energy when finding food. That is why dead baits work so well for catching older, wiser and larger redfish.
The best dead baits for redfish are: a large blue crab cut in half, a butterflied large pinfish with its tail cut off, a chunk of ladyfish, and a chunk of bluefish. The key to catching redfish instead of catfish when dead bait fishing is by using enormous dead baits. You want to use baits at least eight inches long. Catfish always seem to find the bait first and most catfish can’t eat an eight inch dead bait.
Quite often you will catch your monster redfish and notice catfish slime on your line. This tells you that a catfish found your bait first but was unable to swallow it. If you are catching catfish with your dead baits, then you have to go bigger.
Pro Tip: Make sure to use at least a 5/0 circle hook and just enough weight to keep the bait stationary on the bottom. If you let the tide drag the bait across the bottom the redfish will have trouble finding it. But if you use too much weight the fish will often feel it and let go of the bait before getting hooked.
Circle hooks are much less likely to get swallowed and mortally wounding the fish, unlike a J hook. A J hook will often get swallowed if you are not constantly paying attention to your line.
When using dead baits for redfish keep the rod in a rod holder. Rod holders are much better at hooking redfish with circle hooks than we are.
Keith caught this monster redfish with an 8-inch chunk of bluefish along a drop off in Florida’s Indian River Lagoon.
When the redfish picks up the bait and swims off with it, the hook will lodge right in the corner of the fish’s mouth.
The best tackle for catching enormous redfish with dead baits is a medium heavy seven-foot-six-inch rod coupled with at least a 5000 series reel. Spool your reel with 30-pound braided line and make sure to have at least a 30-pound leader attached to the hook.
You can certainly catch a 40-inch redfish with a smaller rod and reel combo but the fish will be half dead by the time you get it landed. In that weakened state the fish will sometimes fall prey to a nearby dolphin or shark. There is no sense killing a big breeder redfish that you cannot harvest anyway.
Capt. Mike Smith, owner of Fish Your Ass Off Charters, is an inshore fishing guide who has been fishing the inshore waters, oyster bars and grass flats of Florida for more than 40 years. Reach him at (561) 339-2317, email: contact@fishyourassoff.com or visit fishyourassoff.com.
FALL TRANSITION BASS FISHING IN THE SOUTHEAST
BY NPFL PROFESSIONAL ANGLER JOEY BLOOM
The first cool mornings of fall always bring a little excitement for me. When I back the boat down the ramp and see mist rising off the water, I know the season is changing and the bass are about to do the same. Down here in the Southeast, the fall transition is one of the most unpredictable—but also one of the most rewarding— times of the year.
The key is bait. As soon as water temps slide from the 90s into the mid-70s, shad begin their migration out of the main lake and into the creeks or shallow shorelines. They’re chasing plankton, and the bass are never far behind. If you can find the bait, you’ll find the fish. I don’t even bother making a cast until I see shad flickering on the surface or lighting up my electronics.
CatchMoreFish
My mornings usually start with topwater or a shad-colored swim jig. A walking bait is one of my favorites to throw across the mouth of a pocket, and it can trigger some of the most violent strikes of the season. I’ll never forget a morning last October when a seven-pounder came out of two feet of water and nearly ripped the rod out of my hand. That’s fall bass fishing— when they decide to eat, they don’t play around.
As the sun gets higher, I shift gears. Shallow wood, laydowns, docks and grass edges become prime ambush points, and that’s when I reach for a squarebill crankbait. I like squarebills because they’ve got just the right wobble and durability to grind through cover. The trick is to make contact—bump that crankbait off a stump, dock, or tick it through grass. Those deflections are what trigger bites. Covering water quickly is important because bass are constantly on the move, shadowing those bait schools.
But not every fish in the lake makes the same move at the same time. Some of the bigger, older bass stay out deeper longer. For those, I keep a Carolina rig handy, and I’ve had great success pairing it with Bait Cave Customs hand-poured soft plastics. That slow drag across a secondary point can tempt those stubborn deep fish that won’t chase a moving bait.
Weather plays a huge role, too. A cold front will slow everything down, and that’s when I switch to finesse—something like a Bait Cave Customs, Cave Club finesse worm on a shaky head, worked methodically. On the flip side, a cloudy, stable day can set off a feeding frenzy, and that’s the time to throw reaction baits and keep covering water. Fall fishing here is a constant adjustment game, and you have to be willing to change with the conditions.
At the end of the day, the fall transition is like putting a puzzle together. The pieces change daily—sometimes hourly—but once you figure out where the bait is, how the bass are relating, and what they’ll react to, the action can be phenomenal. It’s the season where I cover the most water, throw the widest variety of baits, and stay the most flexible.
For me, that’s what makes fall in the Southeast so special. It’s unpredictable, challenging, and full of opportunity. And when everything lines up, it’s some of the best bass fishing of the entire year. With the right mindset—and the right tackle—you can make this season one to remember. Follow all of Joey Bloom’s fishing and fun on Instagram, Facebook, and YouTube at Joey Bloom Fishing.
SOUTHPORT
With our water temps cooling down, and the tremendous amounts of bait pushing into the beach, October kicks off our nearshore fall bite like no other time of the year. The Spanish Mackerel, Blue fish, bull drum, and King Mackerel will make a huge showing right off the beach. Near shore reef, wrecks, and ledges will set up perfectly for all anglers from the biggest boats to the smallest when the weather allows. Slow trolling live pogies and blue fish will produce some of the most dynamic and explosive king mackerel bites that only our fall bite will produce. Fishing the bottom with heavy Carolina rigs with live pogies or croakers while drifting in the big pods of pogies will tie you into the hard pulling line ripping bull reds that are already showing up. Sight casting 1-2 oz metal jigs into the schooling Spanish and bluefish is one of the favorites to produce lots of action and great table fare within rock throwing distance of the sand. Being what I refer to as the magical month (October) it’s a great time to be out here. Watch the pier reports as they will be catching kings and Spanish regularly. When the weather settles, and that opportunity allows, don’t miss the chance to hit the near shore beach areas to enjoy the best part of our year here in the South Brunswick area. As always stay safe and tight lines.
Southport, NC - Oct 2025
CAPT. AARON Salty Southern Adventure saltysouthernadv@yahoo.com
I’ve always said that December is the Apex of offshore bottom fishing … and it is, but October is when it starts.
I have traditionally lived my entire year specifically for October, November, December and January. These new regulations have not just got my feelings hurt, they’ve got my blood pressure up.
For the agency that says Gag grouper, and American red snapper (ARS) are endangered need to look me in the eye and say that. This is where I’m gonna throw the BS flag for several reasons.
1) They are not speaking with anyone that is an experienced grouper fisherman.
2) The data collection system they are using is at very best flawed if not intentional.
3) They do not speak to divers that actually have a real world view of what’s down there.
4) Maybe the most important variable in this equation is, they will not spend the time and/ or money to do real UNDERWATER VIDEO SURVEYS of Gag populations on productive grouper and snapper grounds like they did along the Gulf Coast to rectify the Red snapper debacle they had for many years.
The true FISHERMAN down there kept telling these federal fisheries managers that the American red snapper population was exploding while they insisted it was depleted and kept restrictions on both
the recreational and commercial fisheries. The same thing is happening here on the East Coast now, and the only way we will rectify this once and for all is duplicate the underwater video surveys (of known productive fishing grounds) to reinforce what we know. In the past I know of commercial fishermen that were hired to take “observers” on day trips to count Gags. They were paid to fish federally supplied GPS locations. The guys knew these were numbers out in slick, flat sand bottom they weren’t going to catch very much but had to obey the rules. These numbers along with phone surveys have got us where we are now.
I would gladly invite a federal observer to go fishing with me now, but they don’t want to see the truth. Some people spend their lives chasing big bucks, ducks, trout and other things, but I have spent
my life chasing Gags, Reds and Scamps offshore (and flounder inshore). I’ve never seen the amount of American red snapper we have now, and the numbers of gags are off the charts. It’s time we draw a line in the sand and demand true data that make our laws!!!
These bureaucrats are taking away my freedom(s) and the freedom of my children and grandchildren’s children. I think they spoke about this in the constitution… just saying. Remember this folks, they overturned the Chevron case… look it up. Changes are coming.
I’m sorry I got on my soapbox. Let me get back on subject.
Distinct temperature breaks occur 25, 30 and 40 miles off the beach during October that hold bait on structure. Catch your Scamps and Reds and keep the light line out because the kings will surely be snapping and there will be some large wahoo caught (on the light line)… Mark my words
Dress your children appropriately, take them offshore. Have a great time and take plenty of photos and videos that will last forever.
barefootcatsandtackle.com
Follow us on Youtube: Tim Barefoot Follow us on Facebook:barefootcatsandtackle
October has finally made it here. The weather is cooling down and the mullet are on the move with the big juicy shrimp right behind them. So are the fish. October is a transition month for a lot of species but it’s not complicated. It can be some of the best fishing of the year. I focus a lot on Speckled Trout in October and they can be found all over the coast in October. The shortening daylight hours is what triggers the specs to move to their winter haunts along with temperature. A good year we will have a run on the surf and in the inlets all the way up to the heads of the rivers. I like to focus on
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12 Sat 7:37 3.7 7:52 4.3 1:44 0.3 1:40 0.4 6:36 7:37
13 Sun 8:08 3.6 8:23 4.4 2:20 0.3 2:12 0.4 6:35 7:38
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15 Tue 9:13 3.4 9:32 4.3 3:28 0.4 3:15 0.4 6:32 7:39
16 Wed 9:50 3.2 10:14 4.2 4:04 0.5 3:49 0.5 6:31 7:40
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potholes, grass flats, ledges, current rips, and points. Google Maps is your friend if you are fishing an unfamiliar area.
Some of the baits I will be using during this time are MirrOlure 17MRs, 18MRs, MirrOlure She Pups, Storm Shrimp, Saltwater Assassin plastics and Saltwater Assassin curly tails fished under 4Horsemen popping corks. I like 1/4 ounce swimbait hooks and jig heads in high current areas like the inlet and 1/8 ounce when in more inland type areas. When you are in the higher current areas I like to sweep the current with the lighter weight, not drag the bottom. Grandaddy wasn’t totally wrong about those 3/8 and 1/2 ounce heads, they do have their place when the fish are sluggish or pressured and on the bottom in heavy current.
You have places where you know the fish will be on certain tides and you may have to wait on the current, but I like to cover some ground during this transition time when I’m not in a “spot”. Topwater plugs and popping corks are great search baits. The fish are on the move and you should be as well. If the fish are active they will let you know. Canals, ditches, river flats, bays all hold trout at one time or another in October. All you need to do is get out there and locate them.
YOPP BROTHERS MARINE &
TACKLE
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Bobby, blessed with many years and today his lifetime catch — a 29” flounder! A great day on the water with wife Susan.
Nick Fabula of Baldwin, MD, landed a huge bull with Capt. Allen Jernigan of Breadman Ventures, using an 8” curly tail.
Al Parker of Sanford, NC, landed a big drum with Capt. Allen Jernigan of Breadman Ventures on an 8” curly tail under a 4Horsemen cork.
Timothy Godwin caught this 46” Red Drum in Orinral.
CRYSTAL COAST
If you are a dedicated local Angler or a passionate fisherman traveling from outside the area, you most likely know October fires up the start of some amazing fishing here on the Crystal coast, Morehead City NC.
When we see the “yellow butterflies” we all know it’s time for cool breezes and colder water temps. And just like that, fall fishing is here! The time we’ve all anticipated. Let’s talk about some exciting species to expect to see move in the area with the where, how and when to catch them.
One of the main events that makes fall fishing so great is the moving in of plenty of live bait! The start of the seasonal mullet runs, where tons of finger mullet can be found swiftly traveling and frolicking around beaches, back waters and inlet areas. Always have your cast net ready and hone your throwing skills. Live bait is the magic sauce during this season!
Every fall species loves these tasty treats. You can look forward to seeing large numbers of Red Drum, Trout, Flounder, Big chopper blues, Spanish Mackerel, King Mackerel, Sea mullet and Spot around the inlet areas, especially in deep water structures such as bridges, channels, pilings and the port wall area. Fishing an outgoing tide in these areas will produce a higher catch rate. So, plan and time your fishing excursion according to local tide charts.
For the dedicated boaters, plan to have a good arsenal of rods for several types of fishing techniques. Fall brings in schools of hard fighting False Albacore and big Spanish. Having a light action rod to cast a quick metal jig to these schools will provide instant excitement to your day!
Using your live bait paired with a medium action rod and a fixed Carolina rig will be sure to catch your big Red Drum and Trout!
The local artificial reefs, which are nearshore and very accessible even
with smaller boats, are a great place to troll for Spanish and Kings using traditional Clark spoons and #2 planers. Always a fun and sure way to load up the coolers. For those more adventurous, you can live bait pogies or finger mullet on small steel King rigs for the chance on a Smoker king or Spanish! Sometimes the best day ever is just a relaxing day on the beach with a surf rod in hand waiting for that nice Black Drum or Red fish. Away from the beaches and deep inlet waters you can travel inland to the Pamlico sound and find your bucket list huge old Drum. These beautiful fish can reach over 50” in size and fight like a freight train. A dream come true for many Anglers. Stout rods with 5k spinning reels and fresh big chunks of cut mullet is a favorite of these majestic fish.
I hope everyone gets their fun fall fishing in with successful trips and big catches. It’s 2 months of the perfect storm of conditions. Until next time … Best Fishes!
www.USHarbors.com
GO RED IN OCTOBER
October has traditionally been one of my favorite months of the year for a number of species, but especially for grouper. I’ve always said that Christmas week is the apex of grouper fishing…and it is. I’ve also said that there is a mental hierarchy in grouper, with gags being at the top and reds being at the bottom. I could catch a red grouper on a wooden dowel rod with menhaden oil on it and a hook attached…and that is not an exaggeration.
I hate to be repetitive, but a live pinfish on a Squid Decoy Jig is a dead ringer for red grouper (and all grouper for that matter). If you have the ability to keep a pinfish trap in the water, I would strongly suggest securing several dozen pinfish to take bottom fishing. Everything out there eats them, not to mention they are very hardy and will live all day in the livewell. Red grouper, gags and scamps all view pinfish the same as sailor’s choice and other small snappers as egg eaters. If for no other reason, they will eat them just to kill them, so they don’t eat their eggs. Frozen cigar minnows and sardines have caught more grouper (historically) than all the other baits combined. That’s what they eat!
Tim Barefoot
ice, fuel or weather.
We always had hundreds of pounds of (frozen) cigs and sardines, so let’s not get too carried away with the bait selection. Frozen cigs get the job done, but now that I’m fishing the super stealth decoy
10 seconds. Nothing down there can resist it. Period.
As I always say, “Find the bait, find the fish.” Yes, I like to fish structure like ledges, wrecks or live bottom, but the main ingredient is food. If you mark big stacks of cigar minnows, sardines, beeliners, etc., it’s always a good idea to fish below that, and keep the light line out on the surface or near the surface for all the pelagics. We have vast areas of sand bottom with no structure whatsoever. We just fished big stacks of bait and caught them GOOD! Red grouper can be caught in most depths of water. From as shallow as 15 feet on the Atlantic side to 400 feet and beyond. The only problem with fishing this style of jig and minnow combination is that you are definitely gonna catch gags, scamps, blacks— and those “endangered” American red snapper.
jig/bait combination, I do love a live pinfish or other live baits.
Please take a descending device and familiarize yourself with how to use it.
I guess that’s why I’m writing this article featuring red grouper this month; because that’s about all we have to fish for this time of year. So get out there with some pinfish and frozen minnows and harvest the red grouper and scamps.
On a commercial fishing trip (many years ago), if you ran out of any one of these four things, it would send you back to the Hill: bait,
With that all being said, don’t ever pass up the opportunity to jig up live cigs and sardines for the ULTIMATE combo! The life expectancy of a live cig or sardine on a Decoy Jig is under
Take your kids fishing, too, and make plenty of videos and photos that’ll last a lifetime.
Learn more from Tim Barefoot on his YouTube channel and at barefootcatsandtackle.com.
Oh, Snap! Chasing Giants in The Keys
By Astrid deGruchy
When it comes to snapper fishing, the Florida Keys are hard to beat. From shallow mangroves to deep wrecks, these waters hold everything from tasty keepers to tackle-busting giants, and the right gear makes all the difference.
shrimp, pilchards, or cut ballyhoo for consistent action. Downsizing leader in clear water is key. On the reef edge, Yellowtail snapper are Keys gold. Target them from spring through fall using a PENN Slammer IV 4500 with 15 lb mono. Set a steady chum slick and free-line white baits like pilchards on a Mustad 1/0 J-hook. Keep your presentation natural since yellowtails spook easily.
For heavier hitters, Mutton snapper shine during the late spring and early summer full moons. Use a PENN Authority 5500 matched with 30 lb mono leaders and Mustad 3/0 to 4/0 circle hooks (Big Guns are the best). Drift live pinfish or pilchards back naturally, and be ready, when a mutton eats, it’s all power. For something more regal, head deep for queen snapper, the true royalty of the snapper world. These stunning red fish haunt 500-1,000 feet down along the continental shelf. A PENN Fathom II paired with 40 lb braid and a Mustad 6/0 circle hook tipped with squid or bonita chunks gets it done. Most anglers opt for electric reels, but handcranking one up is a badge of honor.
Mangrove snappers are the everyday staple, found year-round around bridges, mangroves, and patch reefs. Light tackle with a PENN Spinfisher VI or Battle III 3500 with 20-25 lb mono gets the job done. Use live
WHY BUY NEW WHEN YOU CAN RENEW?!?
Then there’s the ultimate test: the Cubera snapper. Capt. Kody (@capt_kody) recently put me on a 65-pound Cubera out of Key West. These brutes demand muscle, like PENN International 50VISX, 80-100 lb mono + Mustad 12/0 circle hook type muscle. Summer full moons are prime, and whole lobsters are the bait of choice (yes, not cheap). Once you’re hooked up, it’s a brutal test of endurance, arguably the hardest fight you’ll experience on stand-up gear, especially when you’re handcranking every inch.
Out here, every snapper tells a story… from the quick hits of mangroves to the heartpounding brawls with cubera beasts. We live for those moments, and now you can too. Follow the journey on Bean Sportfishing TV on YouTube. If you are interested in a Cubera Trip, reach out to Capt. Kody Michael on Instagram (@capt_kody) or go to reel-guides.com
SPEND LESS TIME ON TASKS More Time Fishing
It’s no fish tale when you run with a John Deere. You can get everything done faster and easier, so you get more time on the water. Plus, our special offers make them the catch of the day.
THE UNITED STATES VIRGIN ISLANDS: Naturally in Rhythm ~ and
Nestled in the heart of the Caribbean, the US Virgin Islands embody a harmonious blend of natural beauty, cultural vibrancy, and laid-back serenity. These islands are more than just a picturesque getaway; they are a living testament to nature’s rhythm and resilience, effortlessly in tune with the world around them.
With no passport required for U.S. citizens, from the moment you arrive, the islands’ natural rhythm is palpable. The gentle sway of palm trees, the soothing sound of surf crashing against sandy shores, and the vibrant melodies of local music all echo the heartbeat of this tropical paradise. The islands’ lush landscapes, with their verdant hills and crystal-clear waters, mirror the steady pulse of life that sustains the local ecosystems and communities alike.
The US Virgin Islands’ environment is a symphony of biodiversity with world class fishing and diving. These natural elements are not static; they dance in harmony, influenced by the tides, wind, and seasonal changes—further emphasizing the islands’ intrinsic rhythm. This delicate balance underscores the importance of conservation efforts, ensuring that future generations continue to experience the islands’ natural cadence.
Culturally, the US Virgin Islands are equally in tune. The music, dance and festivals reflect a vibrant heritage rooted in African, European and Caribbean traditions. The spirited calypso beats
and reggae rhythms are expressions of life's ongoing dance—celebrating resilience, community and joy. These cultural expressions are an extension of the islands’ natural rhythm, showcasing how human life here moves seamlessly with nature’s flow.
In a world often dictated by chaos and rapid change, the US Virgin Islands serve as a reminder of the beauty of being in sync with nature’s tempo. Their natural, cultural and ecological rhythms offer
a blueprint for sustainable living and harmony. As travelers and residents alike continue to embrace this rhythm, they uphold a legacy of balance—one that celebrates life’s natural flow and the enduring spirit of these remarkable islands. In the US Virgin Islands, being in rhythm
way of life.
North Carolina’s Delayed Harvest Trout Season Begins October 1
The North Carolina Wildlife Resources Commission (NCWRC) will implement Delayed Harvest Trout Waters regulations on 33 trout waters beginning Oct. 1. Under Delayed Harvest Trout Waters regulations, only catch-and-release of trout is permissible from program waters between Oct. 1 and June 5, 2026. No natural bait may be possessed, and anglers can fish only with artificial lures with one single hook. An artificial lure is defined as a fishing lure that neither contains nor has been treated with any substance that attracts fish by the sense of taste or smell. NCWRC staff stock Delayed Harvest Trout Waters from fall through spring with high densities of trout to increase anglers’ chances of catching trout. Delayed Harvest Trout Waters, posted with diamond-shaped, black-andwhite signs, are popular fishing destinations for anglers who enjoy catchand-release trout fishing. Anglers should be aware that stocking locations along streams may be different than in the past due to hurricane damage impacting the stocking truck and angler access.
For more information on trout fishing and stocking, visit ncwildlife.gov/trout and to follow the progress of the Setzer renovation, visit ncwildlife.gov/setzer.
