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Do I Need to Insure My Boat While It’s in Storage?

Boat storage is a common service for boat owners who want to save their vessels from the elements. But what do you need to consider before storing your boat?

It could be the off-season, or your boat might simply need a break from water and waves. Whatever the reason, storing your boat can keep it safe and sound for months (or even years). Before you sign up with a boat storage facility to save yourself some money and winterize your pride and joy, you definitely need to consider insurance for your vessel. Here are a few reasons why boat insurance is important.

1. Protection from Theft and Vandalism

For some boat owners, the thought of storing their vessel is enough to put them at ease. But active boat storage facilities mean lots of workers and visitors – making it an easy target for theft or vandalism. Boat insurance could cover you in the event that your boat is damaged or stolen, but you should make sure to check with your insurance agent first. Insurance for boats may include theft, vandalism, water damage, fire, and even natural disasters.

2. Compensate for Damages

Your boat storage facility should have insurance to cover any damage to your vessel. But accidents happen, and it’s good to be prepared. If the storage facility is not insured or lacks enough coverage, you may need additional protection of your own just in case anything goes wrong with your boat.

3. Avoiding Personal Liability

There are plenty of things that can go wrong while storing your boat, and not all issues will be covered by the storage facility’s insurance. This includes damage caused to other boats or people, as well as injuries. Even if you don’t use your vessel during the storage period, it could still be subject to liability.

Insurance for boats doesn’t have to be complicated or expensive. Our agents from Red Rock Insurance can help you find the right boat insurance in Las Vegas, NV, at an affordable rate today. Get in touch with us today for more information.

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