Many boat owners can store their vessels on or near the water. Yet, even when you shut everything down and leave the boat alone, that doesn’t mean accidents might not happen. When they do, your boat insurance might help you pay for the damage. There are still safety steps you need to follow to keep your vessel as safe as possible, though. That way, when you leave it alone, you won’t have to worry too much about its security.
Risks to Docked Vessels
There are plenty of hazards that might impact a docked boat.
- Severe weather might damage the vessel, even when you store it under a shelter.
- A thief might try to vandalize or steal your boat.
- If stored or moored improperly, the boat might sustain damage.
- Fires might break out even when the boat is not in use.
- Another vessel might collide with yours while passing or trying to dock nearby.
Any such event might lead to repair bills, recovery costs and the loss of property. However, you can take steps to protect the vessel when storing it.
- Many contemporary docks allow you to wench your boat out of the water while not using it. Always load the boat onto the lift and secure it appropriately before raising begins.
- Park the boat appropriately and moor it using strong cables and locks. As these items get old, replace them.
- Do not leave personal items on the vessel.
- Stow away sails and other equipment properly. Cover the boat with a waterproof cover before leaving it alone.
- Turn off all electrical and mechanical systems. Give these items time to cool off and cover them if necessary.
- If you store the vessel in a closed dock, then lock all doors and access points. Take the boat’s keys with you. Do not leave them in the ignition.
Insurance for Docked Boats
In most cases, your boat insurance will continue to cover your vessel while you have it docked. Most policies cover damage not only from collisions, but also from weather, fire, theft or vandalism. These problems can occur while the vessel is docked. As a result, your policy will likely extend coverage.
However, if you negligently do not protect your vessel, then your policy might not comp you. Insurers usually only pay for damage from unexpected, unpreventable or unavoidable accidents. So, storing your boat improperly and letting it accumulate wear and tear won’t likely result in a payout. Always do your part to keep your boat safe while in harbor.
For more information about boat insurance, call HIS Insurance & Service today.