Protect Your Boat This Winter

Protect Your Boat This Winter

As the weather cools down in Knoxville and the surrounding areas, the opportunities to take your boat out on the water will be few and far between if at all. If you haven’t already, you’ll want to make sure that you prepare it for the winter season the right way so that it will still be in excellent shape next year. 

There are two ways to ensure that your boat is well protected. Winterize your boat and check on the type of insurance you have. We at Bob Johnson Insurance are here to help you get the coverage you need so that your craft is always ready for anything. 

What Kind of Insurance Do You Need?

Typically speaking, small boats that don’t have a lot of power can be covered by your current homeowner’s or renter’s insurance policy. However, larger and faster crafts must have their own plan, so be sure to check with us to ensure that you have the right coverage. 

During the winter months, you may think that insurance won’t be necessary. After all, the boat’s out of the water, so what’s the worst that could happen? Well, that depends. The fact is that your ship can still get damaged, vandalized, or stolen when it’s not in the water. Therefore, having watercraft insurance all year long is always a good idea. 

Also, considering that Knoxville, TN doesn’t have the harshest of winters, you may be able to enjoy some decent time on the water during the offseason, which is where full coverage will come in handy. 

Optional Boat Insurance Options

Although protecting your craft itself is crucial, you have to take a more comprehensive approach when drafting the right insurance policy. These options are good to consider regardless of the season.

  • If your boat is getting old, you may be better off with a cash-value policy instead of an agreed value one. 
  • Consider any equipment that you may have on the boat. Do you keep fishing gear stored on there during the off-season? What about any electronics, like fish finders?
  • Not everyone who has a boat is insured, so it’s usually a good idea to get uninsured boater coverage and possibly umbrella protection, which helps reduce your liability if you’re ever involved in a collision or accident on the water. 

When talking with your insurance agent, keep in mind that there may be ways to get discounts on your policy. For example, taking a boating safety course can help reduce your premiums, so ask what options are available. In addition, your agent can advise you of other insurance options that you might want to know about

Winterizing Your Boat

While getting the right insurance coverage is essential, it’s not the only thing you should be doing to get your boat ready for the season. Winterizing your craft is also crucial so that it can survive the colder weather without any problems. Here are some tips to get started. 

Flush the Engine – Since the motor won’t be used during the winter, you want to clean it out and drain fuel from the carburetor. Doing this will help prevent buildup and ensure that everything stays pristine. Also, be sure to lubricate systems like your pistons and cylinders. 

Stern Drive – Keeping your boat clean and free of any plant life or barnacles will help keep the stern in good condition over the winter. Also, drain the gear case and clean it thoroughly. 

Fuel – Keeping your fuel tanks full for the season will avoid condensation. Be sure to add fuel stabilizers though to ensure that it stays fresh until Spring. 

Fresh Water System – As the temperature drops, the water in your boat can freeze and cause damage. To prevent this, flush the system and fill it with non-toxic antifreeze. 

Interior – Storing some items on your craft during winter can be convenient, but don’t store anything too valuable, especially if you don’t check the inside very often. 

Boat Cover – Using a cover to protect your boat from harmful UV rays and other winter weather will ensure that it’s ready to go next season. 

Keeping your boat in excellent condition this winter is much easier than it looks. By being prepared ahead of time, you can make this process much more comfortable, thus guaranteeing you won’t experience any problems when you back into the water. 

If you have any questions about boater’s insurance, be sure to give Bob Johnson Insurance a call at 800-624-3339 or click here to contact us.

Heading Out on the Water? Here is your Pre-Departure Boat Check

Make sure you and your boat are prepared before you leave the dock.

Last month, we provided some safety information for when you go boating.  One safety tip was a pre-launch boat check.  Here are items that you should have on board.

Items to Check

  • Your fuel tank should be full. If that is not possible, you should have enough fuel to return safely and still have some left over.
  • Check the engine oil and coolant levels.
  • Make sure your navigational lights work.
  • Make sure your instrument panel lights work.
  • Check ventilation in any powered vessel, auxiliary-powered sailboats or boats using cooking fuel such as LPG (propane).
  • Check that enclosed areas have a properly-installed and working carbon monoxide detector.
  • Check that bilges are dry and pumps not running excessively. (Spilled oil or waste in bilges should be cleaned up.)
  • Check the weather forecast.
  • Check your dock lines for chafe or wear.
  • Leave a “float plan” with at least one person on land so they know where you can be found.

Items that Should be On Board

Here is the “short list.”  Explanations are further down.

  • Basic toolbox with tools appropriate for your boat.
  • Spare parts including fuel filter, light bulbs, head parts, through-hull plugs, etc.
  • Standard first-aid kit
  • Life jackets
  • Horn or other sound producing device
  • All lights (including flashlight and spare batteries) and needed day-shapes
  • Distress Signals
  • Have all required fire extinguishers on board and that they are mounted properly.
  • Have a radio on board to receive weather updates.
  • All needed battery types (and check that they are working)
  • At least one anchor set up and bent-on to your anchor line.
  • 2-3 extra dock lines in case of unusual conditions.
  • At least two fenders on-board for docking or towing if required.
  • Ship’s papers, radio license, fishing permit, etc. on board.
  • Chart(s) for the area(s) you will be in regardless of the level of your local knowledge.
  • Both an Emergency Position Indicating Radio Beacon (EPIRB) for your boat and a Personal Locator Beacon (PLB) for you. Both beacons should be registered (EPIRB to your boat and PLB to you) at www.beaconregistration.noaa.gov

More Information About Items Above

Life Jackets

  • 1 life jacket per passenger (minimum 2 at all times). Life jackets should be Coast Guard approved.
  • If your vessel is over 16 feet long, you should have a throwable device.
  • Tell all passengers and crew new to the vessel the location of the life jackets and how to use them.

Sound Producing Devices

  • The horn you have on board should be able to sound a four-second blast that can be heard for at least a ½ mile.
  • Make sure to have a spare can of air (or alternate device) if you use a portable air horn.
  • Each life jacket should have a whistle attached.

Day-Shapes

“Day shapes are mast head signals visually indicating the status of a vessel to other vessels on navigable waters during daylight hours whether making-way, anchored, or aground.” (Wikipedia) If you plan to engage in recreational boating activity that requires a day-shape, make sure that you have it.

Distress Signals

Your flares, day signals and other items used for signaling should be stored in a dry location that is easily accessible.  Be sure the crew and passengers know where they are and how to use them properly.

Fire Extinguishers

  • Coast Guard rules set the number of fire extinguishers you should have on board. Make sure you have the number required and that they are accessible.
  • Check to be sure mounts are secure and functional before departure.
  • Inform passengers and crew of the fire extinguisher(s) location.

Ventilation

  • All interior spaces should be checked. They should be well-ventilated before departure.
  • If you smell fuel, run the blowers for several minutes and check again.
  • If you still smell the odor, turn off the engine and check for the source of the leak.
  • Each enclosed or semi-enclosed area should have a properly-installed carbon monoxide detector.

Batteries

  • For dual charging systems, make sure the selector switch in the proper position.
  • Make sure the entire vessel has power.
  • Have spares for all your devices on board (handheld radio, flashlight, portable navigational aid, etc.)
  • Make sure rechargeable batteries are charged.

 

Content provided by boatsafe.com

Progressive Boat On-Water Towing

Getting ready for summer on the water?  Don’t get “caught without a paddle.”

Progressive offers unlimited on-water towing, no out-of-pocket expense for PWC (Personal Watercraft) or jetskis. You can get coverage up to $2,500 of towing and labor costs per occurrence and it has no deductible.

How to Stay Safe While Fishing

Stay safe when fishing

Ahhh… those relaxing times on the boat — early morning, sitting back in the chair at the bow with your fishing line in the water.  Boating brings great enjoyment and relaxation.  Here is some general advice to help you stay safe while you are out on the water.

Boat Check

Before you actually launch your boat, do a “boat check.”  Make sure you have your onboard safety equipment, enough fuel and life vests. The U.S. Coast Guard provides free vessel safety checks if you would like to take advantage of the service.  (Check back in a couple weeks.  We will post a boating checklist that gives more detailed information.)

Take a Friend

It’s time to go fishing, and you really should take a friend with you. After all, the one thing better than telling your other buddies about “the one that got away” is to have a witness!  Your friend will also make good company in case you fall overboard, are suddenly sick, are incapacitated or in the emergency situations. In short, never fish alone.

Have Two Very Important Devices

Be sure to have a charged and working radio or other communication device in case someone gets hurt or you run out of fuel and get stuck in the middle of the lake.  You should also have a first aid kit with you.  Hooks are sharp, and it is easy to stab yourself and also possible to snag your friend if you don’t pay attention when casting.  (In a couple weeks, we will post a boating checklist that will include items that you should have on your boat.)

Other Items to Bring

There are a few other items that are helpful when fishing.

  • Cold drinks
  • Insect repellent
  • Appropriate Clothing
  • Sunglasses
  • Hat
  • Athletic shoes

Regarding clothing, be sure to check our article “Sun Protection and Sunburns.” It has a whole section about how to protect yourself from getting sunburned.

Our hope is that these tips will help you have a fun time on the water and in the sun.  Enjoy your fishing!  Be safe.