Why Boat Insurance Matters Even in Winter

Boat owners know that vessels bring countless hours of enjoyment on the water. When winter arrives, it’s tempting to think about pausing or reducing your boat insurance coverage, especially if your boat will be out of use for several months. However, keeping your insurance active during the off-season is just as important as properly winterizing your boat.

Why Offseason Boat Insurance Is Essential

Even when your boat is stored away, risks don’t disappear.

Theft, vandalism, fire and weather-related damage can occur at any time of year. Without active boat insurance, you may be left covering these losses out of pocket. Our team at A-Able Auto Insurance Agency has seen firsthand how unexpected incidents can happen, even when boats are securely stored.

Additionally, some marinas and storage facilities require proof of insurance year-round. Maintaining continuous coverage can also help you avoid gaps that might affect your rates or eligibility in the future.

Tips for Winterizing Your Boat

While Texas winters are generally milder than those in many other states, it’s still important to protect your boat from potential cold snaps and offseason hazards. Here are a few steps we recommend:

• Clean and inspect. Wash your boat thoroughly and check for any needed repairs before storage.
• Drain water systems. Remove water from the engine, plumbing and tanks to prevent freezing and damage.
• Protect the engine. Add fuel stabilizer and change the oil to keep your engine in good shape.
• Cover and store properly. Use a high-quality cover and, if possible, store your boat in a secure, dry location.
• Remove valuables. Remove electronics, fishing gear and personal items to reduce theft risk.

How We Help Boat Owners

At A-Able Auto Insurance Agency, we’re committed to helping our clients understand their boat insurance options and the importance of year-round coverage. We can review your current policy, explain offseason coverage and recommend adjustments that fit your needs—without leaving you exposed to unnecessary risks.

Contact our team today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.