The winter season brings cold, joy, and also some specific insurance questions. For example: Do you need boat insurance during the winter months? Keep reading to discover the answer and learn more about boat insurance.
Do You Need Boat Insurance During the Winter Months?
If you leave your boat in storage during the winter season, it’s easy to assume that you don’t need boat insurance. However, the reality is that you still need coverage, as a stored craft faces risks such as theft, fire, or vandalism.
Depending on your carrier and the place where you live, you may have the option to deactivate your boat insurance during the offseason. But if you decide to do so, you need to be aware of the fact that you would be exposing yourself to financial risks should something unexpected happen to your boat.
Plus, if you are financing your boat, chances are good that your lender will require you to have year-round coverage on your boat.
How To Save on Boat Insurance
If you are considering pausing your boat coverage to save money, it may be a good idea to consider other, less risky ways to lower your premiums. For example:
- Buying a diesel-powered craft
- Carrying qualifying safety equipment onboard
- Taking boating and water safety education courses
- Multi-policy discounts.
- Insurance companies often offer discounts if you have no watercraft or vehicle violations on your record for the last three years (the period may vary depending on the insurance company).
To learn how to get these discounts, contact your insurance agent. And if you need boat insurance, or have specific questions, be sure to contact our experts at Delgado’s Insurance. We’ll be glad to help you make sense of your options.
To learn more about boat insurance, check out our previous post, “Is Boat Insurance Required in California?”
Delgado’s Insurance: Affordable Boat Insurance in California
If you need dependable and affordable insurance in the Golden State, look no further than Delgado’s Insurance.
We have locations in Riverside, California, and Bloomington, California. Get in touch today by telephone (951-361-0084, 909-421-9003), email (firstname.lastname@example.org), or through our social media accounts (Facebook, Twitter)!