Should You Keep Boat Insurance All Year Long?

Seasonal Boat Coverage in Minnesota

As summer comes to a close, if you are a boat owner, you may already be thinking about canceling your boat insurance in Saint Paul, MN. While this is a common thing to consider around this time of year, it is not the best thing to do. In fact, here at Rising Star Insurance, we recommend you keep your boat insurance all year long for a variety of reasons. These are just a few of them:

  • Damage can happen even when your boat is in storage. Even if you take your boat out of the water for winter and winterize it, there is still a potential for damage occurring to it over the course of the winter. If you do not have insurance on it during this time and you find the damage when the weather gets warmer, you will be stuck with the bill for the repair.
  • Someone can steal your boat any time of the year. Stranger things have happened and the last thing that you want to happen while you are not focused on your boat is for it to be stolen right out from under you with no way of paying for its replacement. During the winter, you may not even notice it is gone and it could be long gone by summer.

Now that you know why you should keep your boat insurance, you are more likely to think twice about canceling it as soon as the weather starts to get colder. If you already have it in place, we can take a look at your current policy to make sure there are no gaps in coverage. If you do not have it in place, be sure to reach out to us here at Rising Star Insurance, serving Saint Paul, MN, today so we can get you a free quote.