Owning a boat is a great way to explore waterways, lakes, and surrounding rivers. If you own a boat, choosing between seasonal and year-round insurance depends on how frequently you use your boat and the risks you want to cover throughout the year. While both options provide protection, they differ in price, scope, and flexibility. At AW Burchell Agency Inc., serving Cortland, New York, we work with clients who require both seasonal and year-round boating insurance to find the best rates possible.
What Is Seasonal Boating Insurance?
Seasonal boating insurance is designed for boaters who utilize their vessels during specific times of the year, or particular months. Coverage is active during the boating season and may be limited and/or reduced during the off-season. Some of the benefits of seasonal boating insurance include:
- Reduced premiums compared to traditional year-round policies
- Ideal for boats that are stored during the winter
What Is Year-Round Boat Insurance?
If you’re someone who enjoys boating year-round, year-round coverage is ideal. With year-round coverage, you’ll have protection and continuous coverage, regardless of season or potential downtime. This includes protection when your boat is in use, docked, or even in storage. Some of the most notable benefits of year-round coverage include:
- Protection against off-season risks (including weather, fire, or theft)
- Ideal for warmer climates, when boating is more common throughout the year
- No coverage gaps while your boat is in storage or currently in transit, making it ideal for full coverage needs.
Anytime you’re investing in a boat, choosing the right insurance policy is key. If you’re unsure of whether you require seasonal or year-round boating insurance, working with an agency can help. To learn more about your insurance options in and around Cortland, New York, contact AW Burchell Agency Inc. for your quote and consultation today.
