It’s easy to think that insurance is no longer necessary once your boat is tucked away for the off-season. After all, if it’s not on the water, what could go wrong? At McBride Benefit Solutions in Florence, AL, we often remind boat owners that risks don’t disappear just because a boat is in storage. Keeping your boat insured year-round can save you from unexpected financial losses.
Protection Against Theft
Even in secure storage facilities, boats can be a target for thieves. Theft can be a major financial setback, whether it’s the entire vessel or valuable components like electronics, motors, or trailers. Without insurance, replacing stolen items comes out of your pocket. A comprehensive boat insurance policy ensures you’re covered if theft occurs.
Coverage for Fire and Weather Damage
Storage doesn’t make your boat immune to fire, storms, or other natural disasters. A fire in a storage unit or marina could destroy multiple boats, and severe weather can cause damage even when your boat is not in use. These damages could mean costly repairs or even a total loss without insurance.
Liability Doesn’t Stop in the Off-Season
Even in storage, your boat can cause damage to other property. If it shifts, falls, or leaks hazardous fluids, you could be held responsible for repairs or environmental cleanup. Year-round liability coverage ensures you’re protected from these unexpected expenses.
Just because your boat isn’t on the water doesn’t mean it’s free from risk. McBride Benefit Solutions, proudly providing insurance products, including boat insurance, to residents in and around the greater Florence, AL region can help you find the right boat insurance to keep your investment protected all year long. Contact us today to learn more!
