As temperatures drop, many boaters prepare to store their vessels for the season - but winter can be one of the riskiest times for unexpected damage. Each year, Marine Insurance House sees an uptick in cold-weather claims that could have been prevented with a few proactive steps. Here’s what to watch out for and how to protect your boat (and your wallet) this winter.
Frozen Engines and Burst Pipes
The most common winter claim involves water left in the engine or plumbing system. When temperatures drop, even a small amount of residual water can free and cause major cracks. Before storage, fully drain all water systems, add antifreeze where appropriate, and ensure the engine block is completely dry.
Shrink-Wrap and Cover Damage
Strong winds and snow can tear covers or cause pooling that stresses the frame. Use quality shrink-wrap or a well-fitted cover and check tension throughout the season. A torn cover not only exposes your boat to the elements but can lead to costly water intrusion or mold claims.
Battery and Electrical Issues
Cold weather drains batteries faster, and an unmonitored boat can be left powerless, Disconnect the battery or use a smart charger to maintain voltage during long storage periods. Inspect electrical connections for corrosion before re-launching in the spring.
Storm and Storage Damage
Winter storms can cause significant damage to boats stored outdoors or near trees. Whenever possible, store your boat in a secure location with proper supports and tie-downs. If you use a marina or storage yard, confirm that they have appropriate liability coverage - and double-check your own policy for off-season protection.
Final Tip: Review Your Policy Before Winter Hits
Not all policies cover cold-weather risks the same way. A quick policy review with your Marine Insurance House agent can ensure you’re protected against freezing, storage incidents, and seasonal hazards. Taking a few extra minutes now could save you thousands later.
At Marine Insurance house, we’re committed to helping you safeguard your boat through every season - so you can spend less time worrying and more time dreaming of spring on the water.