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Boaters: Should You Add Ice and Freeze Coverage to Your Boat Policy Now?

Inexpensive Option Good for DIYers, Winter Trailerboaters


ALEXANDRIA, Va., September 24, 2015 -- Many boat owners think they don’t have to worry about freeze damage if they live in temperate states or if they keep their boat in an indoor, heated storage area in Northern climates. But they may want to rethink that. Every year, the Boat Owners Association of The United States (BoatUS) Marine Insurance Program gets freeze damage insurance claims for boats in Southern states hit by a hard freeze, and claims for boats stored indoor in Northern states where storms took out the electrical power – which usually means no heat. So the first rule of winter storage for any boat is to winterize properly.

Even then, small winterizing mistakes like not draining all of the areas of the engine raw water system can easily destroy an engine. For that reason, BoatUS says ice and freeze coverage may also be a smart option for do-it-yourselfers who want peace of mind, or for trailer boaters who store their boat in a heated garage or travel between warm and cold states.

Typically offered as a policy “rider” to boats stored in northern climates, it’s inexpensive –BoatUS offers the add-on coverage for as low as $20. However, there is a deadline to purchase this coverage as most insurers don’t offer it once temperatures get cold, usually the end of October.

BoatUS says the good news is that boats in warmer, temperate states often have this feature added to their policy automatically, but boaters should check with their insurer.

For more information on boat insurance or ice and freeze coverage, go to or call 800-283-2883.

About Boat Owners Association of The United States (BoatUS):

BoatUS is the nation’s largest organization of recreational boaters with over a half million members. We are the boat owners’ voice on Capitol Hill and fight for their rights. We help ensure a roadside breakdown doesn’t end a boating or fishing trip before it begins, and on the water, we bring boaters safely back to the launch ramp or dock when their boat won’t, day or night. The BoatUS Insurance Program gives boat owners the specialized coverage and superior service they need, and we help keep boaters safe and our waters clean with assistance from the non-profit BoatUS Foundation for Boating Safety and Clean Water. Visit


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