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Protect Your Boat With Insurance and Winterization

Now that summer’s over and the weather is cooling down, it’s time to think about pulling your boat out of and putting it away until next year.

But before you do, it’s also time to make sure your boat is ready for the winter – and still has the right insurance protection. After all, we here at M3 Monagan Miller McCreary Insurance want to make sure you’re ready for the next boating season! (And maybe, just maybe, you’ll also be ready to invite your favorite insurance agent out for a day on the lake. Just a thought.)

First things first: Insurance

If you have a small boat with limited power, you may have some coverage under your California homeowners or renters insurance policy – but if you aren’t sure, don’t hesitate to check with us. Of course, larger and faster boats, along with personal watercraft, require their own policies. And we can help with those, too!

But do you even need boat insurance during the offseason? When your boat won’t even be in the water? Well, that depends. Keep in mind that your boat can still be damaged no matter where it is. Often, damage from fire, theft, etc., isn’t covered unless you have a watercraft policy. And what if we get a great streak of weather in November and you decide to take the boat out on for a day or two? There are plenty of reasons to keep year-round coverage, but if you have questions about seasonal policies, give us a call: 800-830-6656.

And while you’re thinking about insurance, consider your current watercraft coverage. Is your boat older? It might be time to move to cash-value coverage instead of agreed value. Do you have a lot of expensive fishing equipment? Make sure you have enough optional coverage so your gear isn’t at risk. You might also want to consider uninsured boater coverage and a personal umbrella policy, which provides more liability protection than a standard watercraft policy.

Don’t forget, you might be able to save money on your insurance by taking a boating-safety course, increasing your deductible or by bundling your policies with one company.

Now, on to the exciting part!

Well, not really. But now that you’ve squared away your insurance options, it’s time to think about protecting your boat in a more literal sense – by properly preparing it for winter. Below are some general tips to follow, but, of course, you should check your owner’s manuals for manufacturer recommendations.

Your engine

Follow manufacturer instructions when winterizing your engine, but you’ll want to flush the engine with fresh water and make sure to drain fuel from the carburetor to prevent build-up of deposits. Use fogging oil in the cylinders to lubricate cylinder walls and pistons.

Stern drive

Do a thorough inspection and remove plant life or barnacles from the lower unit. Drain the gear case and clean the lower unit with soap and water.

Fuel tanks

Fill your fuel tanks to avoid a buildup of condensation, and add fuel stabilizer, following the product instructions.

Fresh water system

Drain the fresh water tank and water heater, and pump a nontoxic antifreeze into the system. Then, turn on all faucets until you see the antifreeze coming out.

Interior

Remove all valuables from the boat. Clean drawers thoroughly, and turn cushions on their edges to allow air to circulate. Clean the refrigerator and freezer.

Cover it up!

A cover will keep your boat clean, and also protect it from water and UV rays, which can break down hoses and fade upholstery.

Now, with your boat safely stowed, you can focus on your other toys this winter. Snowmobiles, anyone?

Contact Us!

For further questions and assistance, please contact M3 Monagan Miller McCreary Insurance at 800-830-6656or clientservices@m3insurance.com.

M3 Monagan Miller McCreary Insurance: Come for the Savings...Stay for the Service.

Content provided by: Safeco Insurance

Our Locations

Tracy Location

1137 B Adam St.
Tracy, CA 95376
Main office: 209-835-6656
Toll free: 800-830-6656
Fax: 209-835-0955

Danville Location

4115 Blackhawk Plaza Circle
Suite 100
Danville, CA 94506
Main office: 925-350-8925
Fax: 866-790-0955

Our Providers

Testimonials

Thank you for the excellent service you have provided over the years, having both homes, three cars, umbrella and other insurance with you as well. It's all been fantastically handled. We made the move over because we saved a lot of money, but beyond saving money the service has been excellent and you and your entire team deserved to be thanked and credited for that. Thanks again, and it's been a wonderful experience and I'm looking forward to a long and prospect relationship.

Craig Walker
Sean and his team provided great service. I called Sean as a friend and asked him to look at my current policies to see if he could save me some money or possibly better protection and he came back with 1 ½ hr later which is amazing in today's day and time. He gave me much better protection and saved me at least 45-50% off my current home and auto policies. He organized and put it all together plus an umbrella policy. I just want to thank Sean and his team once again for helping out just great service. In today's day and age service means a lot especially when we can save some money. Thank you again.

David Liebowitz
Sean I just wanted to take a moment and tell you how happy Kim and I are with you and your team. Having been with State Farm for over 20 years, I just assumed they were taking care of us. Well needless to say – they were just taking our money. Your package saved us hundreds of dollars per year, and I could not be happier with the service. Thanks So Much.

Paul Bradley
My claim experience with your office and Travelers was great. Matt, the adjuster, was delightful. He made me feel relaxed and comfortable. I enjoyed working with him as he was extremely cooperative.

Paulette Ranuio
Your service is absolutely marvelous and just wonderful. When we had a billing problem, your team was on top of it. I was never nervous about it because I knew that it was being taken care of. I really want to thank you and your staff for being there. Your customer service is perfect.

Helena Lowe
I remember when my insurance premium was sky high. At M3, I saved $348 on my auto insurance and I upgraded my home insurance without paying more. It's incredible, I love it!

Joe Rowen
The service is first rate!

Bridget Riddle
I can't say enough good things about M3 Insurance. I couldn't ask for more when I compare my former agent with M3's there is no comparison. As far as claims goes, everything went right. I am a busy business owner and I know I can trust M3 to get the job done on time with a competitive price.

Bob Mills
Sean has always been there for us as our homes, investment properties, and business changes. He and his team do such a great job at keeping up with our busy lives and making sure we have the right protection at the right price.

Stephanie Prioste
There aren't many people in the insurance business that have the knowledge and understanding that Sean possesses. He has the ability to take an insurance policy, make it simple to understand, and take of details that others have left out. When it comes to insurance, Sean is the best.

Rob Riccio
Sean has been a valuable resource for over 10 years. When I remodeled my house, he helped to ensure that our improvements would be protected during and after construction Sean always makes a point to review my needs periodically which none of my other agents ever bothered to do.

Joe Grillo
If you, anyone you know, or any new clients are interested in speaking with a really awesome insurance agent, you should send them to mine. She rocks. I've been with her for 10 years now. Her name is Kelly Johnson at M3 Insurance.

Amir Littman, San Jose
"Jim and I were so impressed by your prompt customer service, complete and thorough assessment of our needs, and efficient processing of great policies. Both Kelly and Elizabeth were delightful to work with and we thank them in advance for being our 'go-to' people for future service. It is our pleasure to work with you and your outstanding team!"

Bette and Jim Felton