Winter Boat Insurance

Winter boat insurance
While many people opt to​ allow their watercraft to​ remain uninsured when not in​ use,​ this decision can be disastrous for the​ boat owner.
In many areas of​ the​ country use of​ boats and other types of​ watercraft over the​ long winter months is​ impossible,​ due to​ climate changes and adverse weather conditions .​
Many boat owners mistakenly believe that,​ when a​ boat is​ in​ winter storage,​ insurance coverage for the​ vessel is​ no longer a​ necessity.
Statistically speaking,​ more boats are damaged every year while in​ winter storage,​ than those that are in​ actual use .​
In some cases entire vessels are lost,​ due to​ unforeseeable circumstance .​
Damages to​ a​ stored vessel can run from minimal (such as​ destruction by nesting animals,​ petty theft of​ stored items,​ or​ even slight weather damage) to​ major (such as​ total destruction of​ the​ watercraft by a​ fire or​ natural disaster) .​
Just because the​ boat is​ not in​ use,​ does not mean it​ is​ entirely protected from unforeseen events.
The boat owner who plans to​ store a​ vessel for any period of​ time should discuss the​ importance of​ winter storage protection plans with a​ trusted insurance representative .​
Most insurance plans will give the​ boat owner a​ reduced rate for winter storage coverage,​ while still allowing for the​ vessel’s owner to​ protect his valuable property .​
Selecting this option can safeguard the​ boat owner’s investment,​ and allow for peace of​ mind,​ when in​ cases where winter storage is​ a​ necessity.

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