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6 Essential Steps for Laying Up Your Boat: Off-Season Care Guide

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6 Essential Steps for Laying Up Your Boat: Off-Season Care Guide

By: Boater's Choice Insurance
11/05/2024
6 Essential Steps for Laying Up Your Boat: Off-Season Care Guide

6 Essential Steps for Laying Up Your Boat: Off-Season Care Guide


As the boating season winds down, it's crucial to properly prepare your vessel for the off-season. Here's a quick guide to laying up your boat:
  1. Clean Thoroughly: Remove all dirt, grime, and marine growth. Clean the interior, exterior, and bilges.
  2. Winterize the Engine: Flush the cooling system, change the oil and filters, and add fuel stabilizer to prevent corrosion. Freezing damage is a common engine claim for northern residents. Most insurance carriers exclude freezing damage but will usually cover it if winterization was performed by a professional.
  3. Protect from Elements: Apply a quality boat cover or consider professional shrink-wrapping for optimal protection.
  4. Remove and Store Equipment: Take out electronics, life jackets, and other removable items. Store them in a dry place.
  5. Perform Maintenance Checks: Inspect the hull for damage, check all systems, and make a list of repairs needed before next season.
  6. Review and Update Insurance: Ensure your boat insurance policy provides adequate coverage during storage:
  • Check if your policy covers off-season storage locations
  • Confirm coverage for potential winter-related damages (e.g., ice damage, storm damage)
  • Consider adjusting coverage limits for stored equipment
  • Verify if your policy offers a lay-up credit for the off-season period

Remember, proper insurance coverage is crucial year-round, even when your boat isn't in use. Some risks, like theft, fire, or natural disasters, can still occur during storage.

Don't let improper storage or inadequate insurance lead to costly repairs or financial losses. For expert advice on protecting your investment throughout the year, including tailored off-season coverage options, reach out to our boat insurance experts at 800-768-2121.