Seasonal Insurance Adjustments

Why Revisit Your Policy Each Season?

Many boaters store their vessels during the off-season but continue paying full insurance rates. By adjusting your coverage when your boat is out of the water, you can save money while still protecting it from risks like theft, fire, or damage. On /r/boating, savvy captains discuss how seasonal policy changes free up funds for upgrades or other priorities, making this a practical approach for those with long storage periods.

How Does Someone Modify Their Coverage?

• Inquire About ‘Laid-Up’ Coverage: Ask your insurer about policies tailored for boats in land storage, which exclude on-water incidents but maintain protection against storage risks.
• Provide Storage Details: Share where and how your boat will be stored—whether in a locked garage, boatyard, or marina dry dock.
• Check Reactivation Flexibility: Confirm if coverage can be quickly reinstated for unexpected outings during mild winter spells or early spring weather.

Smart Off-Season Savings

Scenario: A pontoon owner in northern climates notified his insurer that his boat would remain in a locked garage from November to April. By opting for a ‘no water use’ clause, he reduced premiums by nearly 50%. The savings went toward upgrading his sound system and replacing worn seat covers for the next boating season—turning a smart insurance adjustment into tangible benefits on the water.

Seasonal Insurance – Deck

Trim costs when you’re not afloat. Deck’s tips for adjusting boat insurance during off-seasons ensure your vessel stays protected without breaking the bank.