Many boat owners in North Carolina wonder whether they need insurance year-round or only during boating season. The answer may surprise you.
Risks During the Off-Season
Even when your boat is in storage, it faces risks including theft, vandalism, fire, storm damage, and even damage during transport to and from storage facilities.
Benefits of Year-Round Coverage
- Protection against theft and vandalism while in storage
- Coverage during transport to maintenance facilities
- No gaps in coverage that could affect future premiums
- Continuous liability protection
Seasonal Policy Options
Some insurers offer lay-up periods with reduced premiums during months when the boat is not in use. This can provide savings while maintaining essential coverage.
Talk to your BlackArrow agent about the most cost-effective approach for keeping your boat protected year-round.
