| While many boat owners understand that it is just as | | | | owner wishes to take the boat out for any reason |
| important to insure your boat as it is a car or truck, | | | | during the off-season, he or she may be held liable |
| some people may be tempted to insure their boat | | | | for any damages that may occur in the event of an |
| for only part of the year. Much of this temptation | | | | accidents or collisions. In many cases, the amount the |
| arises from the fact that many people only use their | | | | person must pay to cover the damage caused in an |
| boats at certain times when the weather is pleasant, | | | | accident far outpaces the amount they would have |
| like the spring and summer months. | | | | paid to keep insurance coverage year-round. |
| During the winter and fall, many recreational boaters | | | | In addition, insurance coverage can protect your |
| choose to store their vehicles in dry-docks, garages, | | | | investment in the event of theft or damage while |
| and parking lots, while snows and cold weather keep | | | | the boat is being stored. Statistics show that claims |
| them off the lakes and rivers. Because they do not | | | | of boat theft rise in the winter-time, when thieves |
| intend to take the boat out on the water, some | | | | can count on fewer traffic in and around marinas and |
| boat owners make the decision to cancel their | | | | docks. Boat owners may also return to find that their |
| insurance coverage for the off-season and renew it | | | | boat has been damaged while in storage, possibly by |
| again when prime season begins. | | | | the employees of the storage area or other owners |
| Some people choose to take such actions because | | | | who may be there to store or remove their boats. |
| they believe they may save money by removing | | | | Most insurance companies attempt to keep their |
| their insurance payments for part of the year. | | | | insurance policies low for year-round coverage of |
| Unfortunately, this may be a mistake, because | | | | boats and other recreational vehicles. By keeping |
| accidents can still occur even if the owner believes | | | | your boat insured year-round, you can have the |
| the boat is safely stored. If a person suffers injury | | | | peace of mind that comes with knowing that your |
| near a stored boat, the owner may still be held liable | | | | property is protected against theft and accidents. If |
| for injuries and expenses as a result. | | | | you would like to know more about insuring a boat |
| If a person suffers injury while walking by a stored | | | | or recreational vehicle, visit the website of the |
| boat, falls from the boat, or is crushed by a boat | | | | Chicago insurance professionals of Insure on the |
| falling from height in storage, the boat owner may | | | | Spot. |
| face liability lawsuits as a result. In addition if the | | | | |