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boat speeding on waterYou've spent your summer enjoying life on the water. There's something especially great about renting a slip at a marina and having the ability to get out on the lake in minutes without having to transport your boat. You've got a great camaraderie with your marina neighbors and they all store their boats there for the winter. Should you do the same? It's definitely something to think about.

Most marinas offer to take your boat out of the water, winterize them and store them for the winter. It sounds like an easy decision. The work will be done by professionals and you won't have to find a place to keep the boat all winter long. But before you agree, make sure you check your boat insurance policy.

Hopefully you have boat insurance in place that covers anything that happens while out on the water. But what about while it's out of the water and on someone else's property?

Many marinas have some very small print in their contracts that they do not carry insurance and are not liable for any damage to your vessel while on their property. We have heard some horror stories about boats being dropped while being taken out of the water, being damaged during storage and one even sinking when the marina put it back in the water in the spring without a plug.

The truth is, anything can happen and you need to make sure you have coverage to protect your investment. Contact your independent insurance agent and talk about your existing boat insurance. If your current situation only covers the boat while it is in the water and not in storage at the marina, you can easily add additional coverage to put your mind at ease.

Yes, storing your boat at the marina for the winter makes a lot of sense, but do your homework to make sure your boat will be taken care of should anything happen. You want to make sure your boat is covered so when spring arrives, you’re ready to get out on the water again.

Protect your vessel, no matter the season. Call Pro Player Insurance Group at (954) 316-4662 for more information on Fort Lauderdale boat insurance.

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