Many boat policies exclude freeze damage when the vessel was not properly winterized. Some policies also require that winterization follow the engine manufacturer’s recommendations. If your engine block cracks because water was left in the system, the repair may fall entirely on you.

Keep your receipts and service records. If you winterize the boat yourself, take dated photos of each step.

Winterization checklist

1. Top off the fuel tank and add a fuel stabilizer to limit condensation and fuel breakdown.
2. Change the engine oil and filter so acidic used oil does not sit in the engine all winter.
3. Flush the cooling system and fill it with non-toxic marine antifreeze.
4. Drain fresh water tanks, water heaters, heads, and holding tanks, then add antifreeze to the plumbing.
5. Remove or fully charge batteries, and keep them on a maintainer if they stay aboard.
6. Remove electronics, cushions, and valuables to discourage theft and mildew.
7. Clean and dry the interior, and leave ventilation in place.
8. Cover the vessel with a fitted cover or professional shrink-wrap that sheds snow and rain.

If your boat stays in the water

Many local boaters keep their vessels in the water year-round. If you do:

• Confirm your bilge pumps work and that the batteries powering them stay charged
• Check dock lines, chafe guards, and fenders for winter storms and nor’easters
• Arrange for someone to check on the boat regularly, especially after storms or freezing weather if you are out of town
• Ask your marina about de-icing or bubbler systems if ice forms in your slip

Review your policy before you store the boat

• Lay-up period: Some policies offer a reduced premium during a declared lay-up period when the boat is out of service. Make sure you do not operate the boat during that time without notifying us.
• Storage location: Let us know whether the boat is on a trailer at home, on the hard at a boatyard, or in the water. Each carries different risks.
• Agreed value or actual cash value: Winter is a good time to confirm your vessel is insured for the right amount, especially after upgrades.
• Personal property: Gear left aboard may have limited coverage. Take an inventory before you store the boat.

We are here to help

Hampton Roads Insurance & Financial Services insures boats of all sizes across the Peninsula and Southside. Before you put your boat away for the season, contact our office at 11024 Warwick Blvd in Newport News or call 757-595-9334 for a quick policy review.