Seasonal Vehicle Insurance: Protecting Your Boat, RV, or Luxury Car During the Off-Season

As summer ends and the cooler months approach, you may be thinking about seasonal vehicles—boats, RVs, and luxury cars—that are typically driven or enjoyed less during the fall and winter months. While these prized possessions may be parked and out of sight, it’s crucial to ensure they remain fully protected during their off-season hibernation. 

1. Review Your Coverage for the Off-Season 

During the off-season, your vehicle’s usage changes, which means your insurance needs may shift as well. It’s important to adjust your coverage to reflect the reduced risk while still protecting against potential damage.  

2. Consider Comprehensive or "Storage" Coverage 

Comprehensive insurance is crucial for seasonal vehicles that aren’t being driven or used regularly. This coverage protects against non-collision damage, such as theft, vandalism, fire, or weather-related incidents. It’s especially important for boats and RVs, which are often stored outdoors or in less secure locations. 

For luxury cars that are stored in garages, make sure your policy includes coverage for potential damage like flooding, hail, or fire — things that can happen even when your vehicle is out of use. 

3. Winterization and Maintenance Considerations 

Proper winterization is key to preventing costly damage that may not be covered by your policy. Boats and RVs, in particular, require specific maintenance procedures to prepare them for the colder months. This can include draining water systems to avoid freezing, covering vehicles with weather-resistant tarps, and storing them in a secure, climate-controlled environment.  

4. Keep Your Storage Location in Mind 

Where you store your seasonal vehicles is just as important as how you insure them. If you store your boat on a dock or your RV in a seasonal lot, consider whether the area is prone to flooding, theft, or vandalism.  

5. Adjust Your Coverage Based on Usage 

If you plan on using your boat, RV, or luxury car sporadically during the off-season (e.g., taking a fall trip or a winter getaway), consider temporary or “short-term” coverage for those specific trips. This way, you only pay for the insurance you need, while still keeping your vehicles adequately protected during occasional use. 

Whether you have a luxury car collection, a yacht docked in the harbor, or an RV for cross-country travel, we’re here to ensure your vehicles stay protected throughout the entire year. 

Before you park your vehicles for the season, take the time to review your insurance with us. We’ll help you understand your options and ensure that your prized possessions remain fully protected, no matter the season.