In Saint Paul, MN, winter doesn’t just idle your boat; it puts it at risk in new ways. Rodents, roof leaks, fire, theft, and collapsing storage structures are just a few of the threats. Yet every year, boat owners drop coverage the moment they park their boats. That one decision could cost you more than any accident on the water.

Stored Isn’t Safe, It’s Just a Different Kind of Risk

The truth is, the off-season doesn’t mean you’re off the hook. Snow piles up, heaters short out, and a tarp tears open during a windstorm. Suddenly, you’re filing a claim for damage you thought couldn’t happen.

Here’s the catch: if you paused your boat insurance, that claim will likely be denied. Even worse, if your boat is stored on someone else’s property, such as a marina, shared shed, or a friend’s barn, you could be stuck with liability you didn’t anticipate.

Rising Star Insurance helps Saint Paul, MN boaters keep coverage active, smart, and tailored to the risks winter brings, not just the ones you expect.

The Big Freeze Doesn’t Care About Deductibles

Water left in an engine block, batteries that weren’t fully disconnected, or one missed step in winterizing can lead to cracked hardware come spring. While most of these issues are avoidable, they can still happen. Keeping your insurance active ensures you’re backed up when things don’t go as planned.

Saint Paul winters are relentless, with subzero temperatures and heavy snow loads. A peaceful winter dock can quickly turn into a pressure cooker of hidden threats.

Keep the Policy, Avoid the Regret

Winter isn’t the time to gamble with gaps in coverage. At Rising Star Insurance, we help Saint Paul, MN boat owners find off-season coverage that makes sense. No fluff, no wasted dollars, just protection that lasts until your boat is back on the water. Fully intact, fully covered.

Don’t cancel your policy just because you’ve stored your boat. Call Rising Star Insurance in Saint Paul, MN today to ensure your boat insurance works as hard in winter as it does in July.