It’s always a little bittersweet when long summer nights give way to cooler weather and shorter days—but at least pumpkin spice season is back.
As boating, riding, and RV travel slow down in fall and winter, many owners ask the same question:
Do I still need insurance if I’m not using my boat, motorcycle, or RV?
The short answer is yes, in most cases. Even when parked or stored, these vehicles face real risks year-round. Let’s break down why keeping coverage during the off-season is often the smartest (and most cost-effective) choice.
Why You Should Keep Insurance During the Off-Season
1. Weather-Related Damage
Winter weather can be unpredictable and destructive. Even when stored, your boat, motorcycle, or RV can be damaged by:
- Hail
- Windstorms
- Lightning
- Falling debris
Comprehensive coverage helps protect against these unexpected events when you’re not on the road—or the water.
Learn more about protecting your watercraft with boat insurance.
2. Accidental Physical Damage
It may seem unlikely, but accidents can happen even when your vehicle isn’t being used.
Imagine hosting a gathering where someone sits on your motorcycle, accidentally knocking it over and damaging a custom-painted tank. Your homeowners insurance will not cover this—but a motorcycle insurance policy can.
See coverage options for motorcycle insurance.
3. Theft and Vandalism
Unfortunately, theft doesn’t take the winter off.
Even if your vehicle is:
- Stored indoors
- In a secured area
- Not running
It can still be stolen or vandalized. Comprehensive coverage helps protect you financially if the worst happens.
4. Fire Risk While in Storage
If your boat, motorcycle, or RV is stored in your garage or on your property and a fire occurs, your home insurance will not cover damage to the vehicle.
A comprehensive insurance policy is required to cover fire-related losses.
Learn how RV insurance protects your investment year-round.
5. Financing Requirements
If your vehicle is financed, your lender will require continuous insurance coverage—even during the off-season—to protect their investment. Canceling coverage could put you in violation of your loan agreement.
6. Multi-Policy Discounts
Keeping your boat, motorcycle, or RV insured can actually save you money.
When bundled with your home or auto insurance, you may qualify for:
- Multi-policy discounts
- Lower overall premiums
- Better coverage coordination
Canceling one policy can increase the cost of your others.
Final Thoughts
Owning a boat, motorcycle, or RV should be enjoyable—not stressful. Cutting insurance during the off-season may seem like a savings, but it can expose you to costly risks when you least expect them.
Keeping coverage year-round helps protect your vehicle, your finances, and your peace of mind—while often unlocking valuable discounts.
Frequently Asked Questions
Yes. Even when stored, your boat or motorcycle can be damaged by weather, fire, theft, or vandalism. Insurance helps protect you from unexpected losses year-round.
Some policies allow limited adjustments, but canceling coverage entirely is rarely recommended—especially if the vehicle is financed or bundled with other policies.
No. Homeowners insurance does not cover boats, motorcycles, or RVs if they are damaged, stolen, or destroyed. Separate insurance is required.
Often, yes. Many insurers offer lower premiums during the off-season while still maintaining comprehensive protection.
Yes. Removing coverage can eliminate multi-policy discounts, increasing the cost of your home or auto insurance.
Thinking about adjusting coverage for the off-season?
Give G&G Independent Insurance a call or request a free quote today.
We work with top insurance carriers to compare coverage options, rates, and available discounts—so you can protect what you love without overpaying.
