All About Insurance: The Winter boat Insurance

While lots of people opt to permit their watercraft to stay uninsured when not in use, this decision can be disastrous for the boat owner. In lots of areas of the country use of boats and other types of watercraft over the long winter months is impossible, due to climate changes and adverse climatic conditions. Lots of boat owners mistakenly think that, when a boat is in winter storage, insurance coverage for the vessel is no longer a necessity.

The boat owner who designs to store a vessel for any timeframe ought to speak about the importance of winter storage protection designs with a trusted insurance representative. Most insurance designs will give the boat owner a reduced rate for winter storage coverage, while still allowing for the vessel's owner to protect his valuable property. Selecting this option can safeguard the boat owner's investment, and permit for peace of mind, when in cases where winter storage is a necessity.

Statistically speaking, more boats are damaged every year while in winter storage, than those that are in actual use. In some cases whole vessels are lost, due to unforeseeable circumstance. Damages to a stored vessel can run from minimal (such as destruction by nesting animals, petty theft of stored items, or even slight weather destroy) to major (such as total destruction of the watercraft by a fire or natural catastrophe). because the boat is not in use, does not mean it is entirely shielded from unexpected events.

Source: http://their-insurances.blogspot.com/2013/02/the-winter-boat-insurance.html

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