What is a Freeze Coverage Clause for Boating Insurance?

When your boat is no longer in use during the winter months, it is important to winterize your boat. Depending on where you live, this may include removing the boat from the water and placing it in a storage facility and/or removing certain fluids so they cannot freeze over. However, despite all of your efforts, the unexpected can happen. The storage facility you are storing your boat inside may have a power outage, which causes your boat to freeze, or temperatures that are lower than normal may hit your area, causing your boat to freeze. At Parker Preferred Insurance, serving the greater Dallas, TX area, we recommend freeze coverage for all of these unexpected events. 

Freeze coverage does not cover a boat freezing in every situation. It only covers freezing that is unplanned or unexpected. As such, you still need to take the correct steps to winterize your boat and protect it based on the climate and region you live in. If you fail to take the correct steps, and your boat freezes, your claim can still be denied. Freeze protection is designed to protect those who take the right steps to protect their boat from freezing and encounter unforeseen circumstances that cause the boat or engine to freeze over. If you took the right steps and your boat still froze, freeze coverage will kick in and pay for the damage that occurred. 

Do you have a boat in the greater Dallas, TX area? If so, now is the perfect time to think about adding freeze coverage to your boating insurance policy. Contact Parker Preferred Insurance today to find out how much it will cost you to change your plan and add this to your policy.