TUESDAY, SEPTEMBER 5, 2023
Having boat insurance is a must when you are using your vehicle out on the water. However, you also need to maintain coverage when it comes to storage times as well. Most boat owners realize the process of obtaining and maintaining their boat is a lot of work. Storage times are no different. If you have boat insurance for periods of storage, it can often help you when there are instances of theft, vandalism or damage from storms. However, it is also a good idea to take steps to minimize those risks. There are several ways you can do just that.
Protecting Your Boat 
If the season is winding down and you are thinking about how you may store your boat over the colder months, you generally have several options available to help you. First, you have to decide on whether you will pull it out of the water for dry storage or maintain it at the dock. If the water freezes, it is generally a good idea to remove it and store it indoors. Even if you have to keep it outdoors, being out of the water protects the structure from risks.
What else do you need to do to keep your boat safe and protected? Most often, it is a good idea to invest in self-storage units. This puts the boat out of the risk of most types of damage and protects it from risks such as theft or vandalism. It also keeps it in a better, ready-to-go state for the next time you plan to head out onto the water.
Here are a few more tips to help you minimize boat insurance claims for storage periods:
- Get the boat in good shape and very clean before you store it. This helps to ensure there is no damage over the storage period.
- Don’t forget that damage that is considered normal wear and tear or resulting from a lack of maintenance isn’t covered by your insurance. Get these repairs made sooner.
- Read through your owner’s manual. Many boats need to be supported on jacks to keep them off the ground. Learn the proper storage for the make and model you own.
Of course if there is an incident during storage your boat insurance could help to cover it, depending on the type of risk.
Ensure the protection of you vessel. Contact Saunders Insurance Agency for more information on boat insurance.
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