Boat & ATV Winter Storage Tips: How to Protect Your Investment During the Off-Season

As temperatures drop and riding or boating season comes to an end, proper winter storage becomes essential for protecting your boat and ATV. Taking the right steps before storing your recreational vehicles can help prevent costly damage, extend their lifespan, and reduce the risk of insurance claims during the off-season.

In my agency, we encourage vehicle owners to prepare both their equipment and their insurance coverage before winter storage begins.

Why Winter Storage Matters

Boats and ATVs are especially vulnerable during the winter months. Exposure to moisture, freezing temperatures, and inactivity can lead to mechanical issues, corrosion, and unexpected damage. In addition, theft and fire risks often increase when vehicles are stored for extended periods.

Following proper storage practices can help protect your investment and keep your vehicles in excellent condition for the next season.

5 Essential Boat & ATV Winter Storage Tips

1. Clean and Dry Everything

Before storage, thoroughly clean your boat or ATV to remove dirt, salt, mud, and debris. Make sure all surfaces are completely dry to help prevent rust, mold, and corrosion during storage.

2. Top Off the Fuel and Add Stabilizer

Fill the fuel tank and add a fuel stabilizer designed for long-term storage. This helps prevent fuel breakdown, moisture buildup, and engine issues while the vehicle is not in use.

3. Disconnect and Maintain the Battery

Disconnect the battery and store it in a cool, dry location. Periodically charging the battery throughout the winter can help maintain performance and extend battery life.

4. Protect with a Quality Cover

Use a durable, weather-resistant cover specifically designed for boats or ATVs. A proper cover helps protect against moisture, dust, debris, and temperature fluctuations.

5. Check Your Insurance Coverage

Even while in storage, boats and ATVs can be damaged by fire, weather, theft, or vandalism. Reviewing your insurance policy before winter ensures you understand what is covered and helps prevent coverage gaps during the off-season.

Storage and Insurance Go Hand in Hand

Proper storage reduces risk but insurance provides financial protection when unexpected events occur. Many claims happen while recreational vehicles are not in use, making off-season coverage just as important as in-season protection.

A dedicated boat or ATV insurance policy may help cover:

• Theft or vandalism

• Fire and storm-related damage

• Non-collision losses while in storage

• Liability risks associated with ownership

Get Ready for Winter with Confidence

Preparing your boat and ATV for winter storage is an important step in protecting your investment but reviewing your insurance coverage is just as essential. Having the right protection in place can help safeguard your recreational vehicles from unexpected losses during the off-season, including weather-related damage, theft, or accidental incidents.

At Katie Pullen Agency, we take the time to help you understand your coverage options and ensure your policy aligns with how your vehicles are stored and used. Whether you are storing your boat or ATV at home or in a storage facility, our team is here to provide guidance and support.

If you would like to review your current coverage, explore policy options, or request a quote, we invite you to connect with us today.

📞 Contact us today at: +1 (315) 331-3924
📍 Visit us at: 119 E Union St, Newark, NY
📧 Email us at: [email protected]

Let us help you prepare for a worry-free winter and peace of mind throughout the year.