The insurance on my wife's fairly new Whaler is an add-on to our home insurance policy and is good year round.
For the 1976 Slickcraft SS235 we had to get a separate boat policy due to the age of the boat. There is a mandatory lay-up period of Nov 1 through April 1 during which it is supposed to be out of the water. It is still covered for fire/theft during the lay-up.
On another subject, has a no wake rule been called for Winni due to high water??
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