Protecting Your Boat in Quiet Marinas and Why Carriers Care

Winter marinas are quieter, which changes risk exposure. Theft, vandalism, and unattended damage become more common during the offseason, and carriers evaluate these losses differently than summer incidents.

Unattended Losses Receive Extra Scrutiny

When boats sit unused for long periods, carriers may ask:
• How often the vessel was checked
• Whether security measures were in place
• If damage could have occurred gradually

Losses discovered weeks after they occur are often harder to document.

Theft and Vandalism Considerations

Coverage for theft generally requires evidence of forced entry or visible signs of theft. Leaving high-value items onboard can increase risk and complicate claims.

Removing portable electronics and personal gear reduces exposure and simplifies coverage discussions.

Dock Lines, Pumps, and Preventable Damage

Claims involving sinking or water intrusion often hinge on maintenance and inspection frequency. Carriers expect reasonable oversight, even during the offseason.

Security Measures That Support Coverage

Using locks, lighting, cameras, and regular walkthroughs demonstrates risk mitigation. These steps do not guarantee coverage, but they help establish responsible ownership.

The Wells Marine Insurance Perspective

Quiet marinas create different risks than peak season boating. Understanding how carriers view unattended losses helps you protect your boat and avoid complications if a claim arises. Make sure your policy is up to date. Winter is a great time to review your policy. If you have added gear over the last year or upgraded electronics, contact us and confirm they are listed and properly covered.