As the weather cools and boating season winds down, it’s time to think about one of the most important tasks for boat owners: winterizing your boat. Proper winterization not only keeps your vessel in great shape for next spring — it can also prevent costly damage that your insurance policy may not cover if maintenance is neglected.
At Midwest Certified Insurance Agency, we’re here to help you protect what matters most. Whether your boat spends the winter in storage or docked in the water, taking the right steps now can save you time, stress, and money later.
Why Winterizing Matters
When temperatures drop, water left in your boat’s engine, plumbing, or bilge can freeze and expand — leading to cracked blocks, burst hoses, and serious damage. Moisture and neglect can also cause corrosion, mold, and electrical issues.
Even with great coverage, most policies expect you to perform routine maintenance. That’s why a little preparation now keeps you covered — and keeps your boat safe.
Essential Steps to Winterize Your Boat
1. Clean It Inside and Out
Give your boat a thorough cleaning before storage. Wash the hull, decks, and topsides, and remove dirt, salt, and grime. Inside, remove food, gear, and personal items to discourage pests and mildew. A clean boat is a happy boat — and it’s much nicer to uncover in spring!
2. Drain and Flush the Engine
Run fresh water through your engine to clear out salt, dirt, and old coolant. Then drain and add antifreeze rated for marine use. Don’t forget to change the oil and replace filters to prevent sludge and corrosion.
3. Protect the Fuel System
Fill your fuel tank to about 95% and add a fuel stabilizer. This helps prevent condensation and keeps fuel fresh during months of inactivity. Run the engine briefly to circulate the treated fuel.
4. Care for the Battery
Disconnect your boat’s battery, clean the terminals, and store it in a cool, dry place. Check the charge periodically through the winter to ensure it’s ready for spring.
5. Cover and Store Properly
A high-quality, fitted cover keeps your boat dry and protected from snow, ice, and debris. If you’re storing outdoors, tilt the boat slightly to allow water to drain. Indoor storage is ideal, but even outdoor storage can be safe with proper prep and coverage.
6. Review Your Insurance Coverage
Before you tuck your boat away, review your boat insurance policy. Some coverages may vary depending on whether your vessel is in use, stored on land, or docked year-round. Talk with your insurance agent to make sure your policy reflects how your boat will be stored and whether you need additional protection for winter months.
A Little Prep Goes a Long Way
Winterizing your boat is about more than just maintenance — it’s about protecting your investment and ensuring a smooth, worry-free launch when warm weather returns.
If you have questions about boat insurance coverage, off-season storage, or claims prevention, our team at Midwest Certified Insurance Agency is here to help. Give us a call or stop by anytime — we love helping our clients stay safe on and off the water.
Stay warm, stay covered, and here’s to smooth sailing next season! ⚓❄️
