When boating season ends and it’s time to store your vessel, you might be wondering—what happens to your boat insurance? At Texas Independent Insurance in Allen, TX, we often get this question from boat owners who want to protect their investment year-round, not just when it’s out on the water.

What Happens to Coverage in the Off-Season?

The good news is that many boat insurance policies provide coverage even when your boat is not in use. This can include protection against risks such as theft, vandalism, fire, and weather-related damage while your boat is in storage. However, the amount and type of coverage can vary depending on your specific policy.

Stored Doesn’t Mean Safe From Risk

Just because your boat is parked doesn’t mean it’s immune to problems. Storage facilities can experience break-ins, storms can cause damage, and rodents can find their way into your boat’s wiring. That’s why maintaining your insurance year-round is a smart move. It ensures you’re covered for unexpected events even when your boat is out of the water.

Should You Adjust Your Policy?

Some insurers offer the option to adjust your policy during the off-season. This might mean reducing your liability coverage if the boat isn’t being used, while keeping comprehensive coverage active. It’s always best to speak with your agent to determine what makes the most sense for your situation.

At Texas Independent Insurance in Allen, TX, we’re here to help you navigate the ins and outs of boat insurance, whether it’s peak season or storage time. Contact us today to review your policy and ensure your boat is protected throughout the year.