When the temperatures start to drop in Plymouth, MN, boat owners know it’s crucial to winterize their boats and outdoor watercraft properly. Proper winterization can significantly improve a boat’s original condition and keep insurance coverage costs as low as possible. Understanding the role boat winterization plays in insurance coverage in Plymouth, MN, can help you better prepare for the cold months each year.
The Importance of Boat Winterization
Winterizing your boat is beneficial for several reasons:
- Protection: Proper winterization protects and preserves your boat, which can reduce repair and replacement costs.
- Insurance Claim Denial Prevention: Taking the necessary steps to winterize your boat will reduce the risk of a claim denial. Most boat insurance policies include a winterization requirement clause. If you choose to avoid or ignore the winterization of your boat, you’re more likely to experience issues such as hull damage or, in some instances, even cracked engines. These problems are typically considered preventable by many insurance agencies, which can result in a denial of your claim.
Winterization Steps
- Draining/Flushing: Draining and flushing water from pipes, the engine, and the bilge helps prevent freezing in the winter.
- Antifreeze: Adding antifreeze (marine-grade) is a way to protect both plumbing and engine systems.
- Cover: Clean your boat and use a protective cover.
- Battery: Storing (after you remove) your boat’s battery will protect its original charge.
As a boat owner in Plymouth, MN, taking winterization seriously is imperative, whether you own a single fishing boat or you’ve invested in a mini-luxury yacht for you and your family. Understanding the importance of winterization and how it impacts insurance coverage is crucial as a recreational, seasonal, or professional boater. For more information on boat winterization and how to optimize your current boating insurance policy, contact Anchor Insurance Agency LLP today.