When the boating season ends, most yacht owners turn their attention to winter storage — trusting that a good cover, a reputable marina, and a few maintenance steps will keep their vessels safe until spring. That is a fine start, but during the coldest months of the year, your yacht is in more danger than you might realize. It’s important to understand how to keep your boat protected and make sure your yacht insurance is up to date.

The Risks of Winter Yacht Storage

Even during the off season, yachts face a range of potential hazards — some natural, some preventable, and some easily overlooked.

Damage from Freezing, Storms, and Improper Winterization

One of the most common winter insurance claims stems from inadequate winterization. Water left in engines, pipes, or bilges can freeze and expand, cracking expensive components. Heavy snowfall or ice accumulation can also collapse covers or stress deck fittings. And winter storms — especially in coastal or lakeside regions — can cause shifting, flooding, or even structural damage if boats aren’t properly secured.

Following recommended winterization protocols can help prevent these costly problems. A thorough checklist before storing your yacht includes draining systems, changing fluids, and using antifreeze where appropriate.

Theft & Vandalism at Storage Facilities

Off-season months can also invite theft and vandalism. With fewer people around marinas and storage yards, thieves have more opportunity to target electronics, outboard motors, and other high-value components. Even small acts of vandalism — cut covers, stolen propellers — can result in major repair costs or downtime when spring arrives.

Your odds of theft issues should go down, however, if you choose a storage facility with gated access and surveillance. Good lighting is also essential. You’ll also want to verify whether the facility carries its own liability insurance or if any resulting damage falls under your own policy.

Environmental & Marina-Related Hazards

Environmental hazards such as flooding, fire, and pollution incidents can occur without warning. Ensuring your yacht is properly stored isn’t just about protecting your own vessel — it’s also about being a responsible member of the community. Proper storage helps prevent damage to neighboring boats and minimizes risks to the surrounding environment.

Marina fires, fuel leaks, and electrical faults can spread rapidly, especially when boats are stored close together under covers or shrink-wrap. Taking proactive measures helps safeguard both your investment and those around you.

What Yacht Insurance Typically Covers During Storage

A comprehensive yacht insurance policy typically covers physical damage (hull, machinery, fittings), theft, vandalism, and liability. Coverage specifics depend on how and where the yacht is stored.

• On-land storage: Most policies extend coverage to dry-docked yachts or those in secure storage facilities. However, the risk of fire, theft, or collapse remains, so verifying coverage limits for these perils is key. For instance, perhaps your policy covers $100,000 for fire damage, but your yacht is worth 10 times that.
• In-water storage: If you’re storing your yacht at a marina slip year-round, confirm that the policy includes “lay-up afloat” provisions. Your yacht may seem safe, simply floating at a dock, but storms, power failures, and unattended systems can still lead to costly incidents.
• Active-use versus storage coverage: Many yacht policies include seasonal “lay-up” periods, where it’s assumed you’re going to be storing your vessel, not sailing it. During this lay-up period, your policy might limit or exclude damage if the vessel is used.

Policy Gaps & Exclusions To Watch For

Before winter sets in, it’s important to review the fine print of your yacht insurance policy. Certain exclusions or overlooked details can leave you without coverage when you need it most. The following are some common policy gaps and limitations to be aware of.

Freeze Damage and Neglect

Your policy may not automatically cover freeze damage, which is preventable through proper winter maintenance. Confirm whether your policy provides protection against freezing — and what documentation (for example, service records) may be required to prove compliance.

Storage Facility Liability vs. Owner Responsibility

While storage yards may advertise “insured facilities,” that doesn’t necessarily mean your vessel is covered. In some cases, the marina’s insurance protects its own property and liability — not damage to your yacht. If a fire or accident occurs on-site, you may need to rely on your own coverage.

Lay-Up Endorsements and Exclusions

Lay-up provisions are seasonal policy endorsements that restrict navigation or use during specific months. If your yacht is damaged while being operated outside the approved period, the claim may be denied. Review your lay-up period dates and make sure they align with your actual boating schedule.

Protect Your Investment Before Winter Hits

Before winter sets in, take the following preventive steps:

• Inspect and service your yacht: Address any mechanical or hull issues early.
• Document your condition: Take photos of your vessel inside and out before storage.
• Confirm your coverage: Speak with your insurance agent about how storage affects your policy, deductibles, and exclusions.
• Secure valuables: Remove electronics, keys, and personal items from the yacht.
• Verify facility credentials: Ensure your storage location meets security and safety standards.

Working with a marine insurance expert like Mariners helps ensure you’re not overlooking hidden risks or gaps in protection. Tailoring your coverage to your storage method and location can save thousands in the event of a loss.

FAQ on Yacht Insurance & Winter Storage

Does yacht insurance cover winter storage?

Yes, most comprehensive yacht insurance policies cover your vessel during storage — but the type of storage (on land versus in water) may affect what’s included.

What happens if my yacht is damaged during storage?

Coverage depends on your policy terms. If the damage results from a covered peril (for example: fire, theft, storm), your insurer will typically cover repairs minus any deductible. Improper winterization or neglect may not be covered.

Do I need insurance while my yacht is in dry dock?

Absolutely. Even in dry dock, risks like fire, theft, or collapse can occur, and liability coverage still protects you if, for instance, your yacht catches on fire and then damages nearby vessels.

How do I prepare my yacht for winter storage?

Follow a detailed checklist, including draining systems, applying antifreeze, disconnecting batteries, and checking lines and covers. Consult professional winterization services if needed.

About Mariners General Insurance Group

Mariners General Insurance Group was founded in 1959 to protect boat owners and marine business clients. We are marine insurance experts and insure boats worldwide — in every ocean on the planet. Marine insurance is critical if you own a boat or nautical business. Trust the professionals with all of your boat Insurance needs — trust Mariners Insurance. Call us at (888) 402-5018 any time you have questions or concerns about insurance for your vessel or marine business.