The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.


mobile callClick to Call
Kingdom Tree Insurance Group

113 South Monroe Street,
1st Floor,
Tallahassee, FL 32301

mobile mapGet Directions

Should You Keep Boat Insurance in the Winter?

Owning a boat in Florida, especially if you live close to the water, is almost a necessity. Along with owning a boat, it is also important to have boat insurance. While some people think that you should only keep your boat insurance active during the warmer months, here at Kingdom Tree Insurance Group, serving Tallahassee, FL, we know that it is important to keep this type of insurance active even during the winter. 

Reasons to Keep Your Boat Insurance Active in the Winter

  • You don’t know who may be taking it for a joy ride – Even if you lock your boat up during the winter, you cannot control what anyone does when you are not looking. Someone may break in and try to take it for a ride without you knowing. Not only does this pose a risk in case someone steals it but also in case they are injured in the process. Even if you do not know, you can be held liable for their damages and injuries. 
  • You want coverage in case there is damage or it is stolen – You also cannot control any potential damage to the boat. If there is damage during the off-season and you do not have coverage, or if it is stolen, you will have to pay for it out of your own pocket. 

If you own a boat in Tallahassee, FL, it is a great idea to keep the insurance on it all year long. If you do not have boat insurance or you need to get a new policy because you canceled it in the winter, be sure to contact Kingdom Tree Insurance Group today. We can help you find the right policy as well as make sure that it fits within your budget.