Year Round Storage Recommendation for Vehicle

[Descant]

As Dave has implied above, boats are covered under boat policies. Cars are covered under car policies and personal property is covered under a Homeowners policy. There are a few extensions, e.g. some personal property like fishing gear, could be under your boat policy. Basically, trying to pretend that your car is personal property, and not an auto and is covered under homeowners insurance, just won't work. Why would you ever think insurance companies, with hundreds of years of experience and related court cases, aren't as smart as you? In the current colloquialism "C'mon, Man "

[BroadHopper]

I do know if you have an RV or auto with antique plates, you can call the insurance company that you are putting your vehicle into storage. Call when you take it out of storage. Save tons of money. Not sure if you need plates. Most municipalities will not allow more than one unregistered vehicle on your property. Give them a call.

[upthesaukee]

Originally Posted by BroadHopper

I do know if you have an RV or auto with antique plates, you can call the insurance company that you are putting your vehicle into storage. Call when you take it out of storage. Save tons of money. Not sure if you need plates. Most municipalities will not allow more than one unregistered vehicle on your property. Give them a call.

Most, if not all, insurance companies and states allow the insured to deleted all coverages except Comprehensive on vehicles that are laid up for a period of time. Think motorcycles during the winter, RVs in northern climes during the winter, classic or "Summah" cars etc..

When you're ready to drive, you simply call your agent and tell them to put the other coverages back in force. It is a tremendous savings on policy costs.

Dave

[MotorHead]

Originally Posted by upthesaukee

Most, if not all, insurance companies and states allow the insured to deleted all coverages except Comprehensive on vehicles that are laid up for a period of time. Think motorcycles during the winter, RVs in northern climes during the winter, classic or "Summah" cars etc..

When you're ready to drive, you simply call your agent and tell them to put the other coverages back in force. It is a tremendous savings on policy costs.

Dave

Can you do the same with a boat or JetSki ?

[upthesaukee]

Originally Posted by MotorHead

Can you do the same with a boat or JetSki ?

That really depends on the policy. My progressive policy provided year round in or out of water coverage, but was so inexpensive I never checked into any suspension period.

Some policies have a built in navigation suspension period, typically from Nov 1 to Apr 1, where there is no in- water coverage.

Watercraft policies vary greatly and you need to check your own policy, or ask the question to an agent if you are shopping around.

Dave.

[tis]

I was told you could not suspend boats as you can autos, rv s , motorcycles, etc. because they do have a 6 month period when they are expected to be out of the water.