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Protect Your Boat During the Off-Season

Protect Your Boat During the Off-Season

Owned by Jonathan Zschau
Last updated: Jan 12, 2025
2 min read

As the boating season winds down and cooler weather approaches, it’s time to think about protecting your boat during the months it will be in storage. While your boat may not be on the water, it is still exposed to risks such as fire, theft, vandalism, and weather-related damage. Without the right insurance coverage, you could face significant financial loss.

Off-Season Risks

Even when stored safely, boats can encounter several hazards:

  • Fire: Boats stored in garages, marinas, or storage facilities are vulnerable to fire, especially if nearby equipment or electrical systems malfunction.

  • Theft and Vandalism: Boats are attractive targets for thieves, particularly when they’re left unattended for long periods.

  • Weather Damage: Winter storms, heavy snowfall, or falling branches can damage your boat, even if it’s covered or stored indoors.

These risks highlight the importance of maintaining year-round insurance coverage for your vessel, even when it’s out of the water.

What Does Year-Round Boat Insurance Cover?

Comprehensive boat insurance policies typically provide protection for your vessel regardless of the season. Key coverages include:

  • Fire Damage: Coverage for damage or total loss caused by a fire, whether at home or in a storage facility.

  • Theft Protection: Financial reimbursement if your boat or its equipment is stolen.

  • Weather-Related Damage: Coverage for damage caused by hail, wind, snow, or ice.

  • Liability Coverage: Essential if your boat causes damage or injury, even while in storage or being transported.

Tips for Storing Your Boat Safely

  1. Winterize Your Boat: Drain water from the engine and plumbing systems to prevent freezing damage.

  2. Choose a Secure Storage Location: Opt for a locked facility or garage to deter theft and protect against the elements.

  3. Invest in a High-Quality Cover: Protect your boat from debris, moisture, and UV damage.

  4. Maintain Insurance Coverage: Don’t cancel or reduce your policy during the off-season; the cost of coverage is minimal compared to the potential financial risk.

At Partridge-Zschau, we understand the year-round needs of boat owners. Whether you’re preparing for storage or planning your next season on the water, we can help you find a policy that offers comprehensive protection for your vessel. Contact us today to discuss your coverage options and enjoy peace of mind during the off-season.

Disclaimer

This article is for informational purposes only and is not intended to stand alone as insurance or legal advice. Individual circumstances may vary, so when in doubt, contact Partridge-Zschau directly to discuss your specific needs.