Boat season doesn’t last all year in Tomball, TX. When winter arrives, your boat is often out of the water and stored. However, storage comes with its own risks: freezing temperatures, long periods of inactivity, and accidents that can occur if the boat isn’t properly stored and secured. The real question isn’t just how you’ll store your boat, but whether your insurance coverage is sufficient for the off-season.
Why Storage Isn’t “Set It and Forget It”
Pulling your boat out of the water might feel like the finish line, but it’s only the first step. Outdoor storage exposes your boat to weather damage, while indoor storage carries risks like fire or theft. Even small details, such as handling old fuel or disconnecting batteries, can make a big difference when it comes to potential damage and insurance claims. At Hastings Insurance Agency LLC, serving the Tomball, TX area, we work with boat owners every winter, and many are surprised by the coverage gaps they hadn’t considered. Local insight matters because Texas winters, while shorter than those up north, are just as unpredictable and can cause problems if you’re unprepared.
Insurance Needs Don’t Take a Season Off
Many boat owners assume insurance only matters when they’re on the water, but that’s not true. Off-season damage happens every year, from collapsed covers to accidents or storage mishaps. That’s why it’s crucial to review your coverage before winterizing your boat. Checking your policy now can save you headaches later if something goes wrong during storage. Insurance isn’t just about protecting your time on the lake; it’s about ensuring the months in between don’t lead to costly surprises.
At Hastings Insurance Agency LLC, serving Tomball, TX, we help local boat owners prepare for the winter season. If you’re planning to store your boat and aren’t sure what your current policy covers, give us a call. We’ll walk through the details so you can head into winter knowing your boat is protected until spring.