Even though your boat is out of the water for the winter, that doesn’t mean you don’t need insurance. In fact, there are several reasons why it’s essential to keep your boat insurance policy active during the off-season. At the Morin Insurance Agency, we understand better than most why it’s so important to keep up your NH or CT boat insurance through the winter. Our offices are located in gorgeous Alton Bay, NH, where boating is a way of life and a year-round concern. Just because our boats are in storage for the winter, that doesn’t mean we’ve stopped thinking about them.
If you own a boat in NH or CT, your insurance policy protects you all year. Here’s why it’s critical to keep your boat insurance active through the winter.
Fire and Theft
Your boat is still at risk of fire and theft, even when it’s not in the water. A fire can start in your boat’s engine or electrical system, no matter how meticulously you winterize it. A thief could also attempt to steal your boat or its parts. Boat insurance will protect you from these financial losses.
Weather Damage
Winter weather in New England can be harsh, and snow, ice, or wind can damage your boat. If a winter storm damages your boat, your insurance will cover the cost of repairs. Weather damage is especially a concern if you store your boat outdoors in the winter.
Liability
Even if your boat is not in the water, you could still be held liable for injuries or damage it causes. For example, if someone is injured while working on your boat or if your boat falls off its trailer and damages someone’s property, you could be held liable. If you keep your boat insurance through the winter, you are protected in these circumstances.
Peace of Mind
Knowing that your boat is insured will give you peace of mind during the winter months. You can hunker down and focus on staying warm, knowing your boat will be ready for you when the ice goes out.
NH & CT Boat Insurance | The Morin Agency
If you’re thinking about letting your NH or CT boat insurance lapse over the winter, we’d advise against it. Your boat is still at risk of potential damage, and you don’t want to pay for it out of pocket because it happened while you were uninsured.
