DO I NEED TO MAINTAIN INSURANCE ON MY BOAT, MOTORCYCLE OR RV DURING WINTER?

Updated: Nov 18

By Mills Insurance Services, An Acrisure Agency Partner

(Photo by Getty Images)

It is a sad time of year when we have to say goodbye to long warm summer nights and hello to more moderate weather and shorter days. But, the good news is pumpkin lattes are out again.


With fewer boat, motorcycle or road trips in the RV happening in the fall and winter months, many wonder if they need to maintain insurance on these vehicles when they aren’t being driven. There are many different scenarios that warrant keeping these vehicles insured year-round so let’s take a closer look at these.


Weather Related Damages: Weather is especially nasty in the winter months so keeping your boat protected from covered weather-related damages is important. Even when stored, lightning, wind and hail can occur.


Physical Damages: It seems strange that you may be subjected to a property claim when your vehicle is not being used. However, take this simple example: You have a house party and someone wants to sit on your bike. During which, they accidentally knock it over denting your custom painted tank and scratching the paint. Your home insurance will not cover this.


Theft & Vandalism: If someone decides to steal your boat, motorcycle or RV in the winter months, you need coverage to cover the loss. Thefts occur everywhere, so even if in a secured area, vandalism can occur. Unfortunately, thieves don’t mind bad weather.


Fire: If your boat, motorcycle or RV is stored in your home or garage and there is a fire, your home insurance will not pay for damages to your vehicle. Instead, you will need a comprehensive insurance policy to cover these damages.


Financing: If you finance your boat, motorcycle or RV, your lienholder will require you to maintain insurance to protect the investment.


Multi-policy discounts: If you insure your boat, motorcycle or RV with your home or auto insurance company, you may be eligible for multi-policy discounts. By removing your insurance on your vehicle, you will raise the cost of your other policies.


Owning a boat, motorcycle or RV is a great experience for most. Don’t turn the joy of boat, motorcycle or RV ownership into a nightmare by trying to cut your insurance costs in the off-season. Protect your vehicle year-round and enjoy greater discounts on your other insurance products by bundling them together. For a quote on your insurance, give us a call. We represent the best insurance companies and can quote you different coverages, rates and apply for special discounts.


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RV Insurance, Motorcycle insurance, Boat Insurance, Waterford, Troy, Farmington Hills, Southfield, Rochester Hills, W Bloomfield, Pontiac, Royal Oak, Novi, Commerce, Orion, Independence, White Lake, Madison Heights, Oak Park, Auburn Hills, Oxford, Birmingham, Ferndale, Highland, Oakland, Michigan

The Huttenlocher Group

1007 W Huron St, Waterford , MI  48328

(248) 681-2100

1007 W Huron St, Waterford Twp, MI 48328

(248) 681-2100

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