Free checklist · Printable PDF
Boat, RV, and Motorcycle Seasonal Storage Checklist
When lake days and road trips slow down, how you store your boat, RV, or motorcycle can affect both its condition and your insurance. Use this checklist before storage and again before you head back out.
- Veteran-owned (USMC)
- Independent agent: compares multiple carriers
- Free, no-obligation quotes
Quick takeaway
- Many policies keep comprehensive coverage during storage for theft, fire, and weather damage.
- Ask before dropping coverage; a lapse can cost more later.
- Tell your agent if the storage location changes.
Insurance questions before storage
- Ask whether your policy has a lay-up period or storage option, and what it changes.
- Ask before removing liability or collision so you understand what you give up.
- Tell your agent where the boat, RV, or bike will be stored (home, marina, or storage facility).
- Check whether the storage facility’s insurance covers your property. Often it doesn’t.
- Photograph the vehicle and accessories before storage.
Boats
- Follow the manufacturer’s winterizing steps for the engine and water systems.
- Remove electronics and valuables, or note them on the policy.
- Cover the boat and check the trailer tires and lights.
RVs and campers
- Drain water lines and the water heater to help prevent freeze damage.
- Remove food and check for openings where rodents can get in.
- Remove personal belongings or confirm they’re covered.
Motorcycles
- Fill the tank and add stabilizer, per the manufacturer.
- Use a battery tender and a breathable cover.
- Lock the bike and store it out of sight if possible.
Back in season
- Reinstate any coverage you paused before first use.
- Check safety gear, life jackets, and registration.
- Review limits and add any new accessories to the policy.
Boating in Tennessee
Tennessee residents born after January 1, 1989 generally need a TWRA boating safety education certificate to operate certain motorized boats, per the Tennessee Wildlife Resources Agency. Some insurers also ask about boater education.
Download, print, and share
Download the free Boat, RV, and Motorcycle Seasonal Storage Checklist (PDF). It’s a direct download, with no form to fill out. Print it, check things off, and bring it to your next coverage review.
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Frequently asked questions
Should I cancel boat insurance in the winter?
Many owners keep coverage in place because storage risks like theft, fire, and storms continue. Some policies offer a lay-up option. Ask your agent before canceling.
Does the storage facility’s insurance cover my RV?
Often it does not. Facility policies usually protect the facility. Check your own policy and your storage contract.
Can I pause my motorcycle coverage in winter?
Some carriers allow changes like storage coverage. Ask what you’d give up, and remember to restore coverage before you ride.
Want a second set of eyes?
Bring this checklist to a free coverage review. Eric can walk through it with you, explain what you have, and help you shop options from more than one carrier. Call or text 615-808-1105.
Coverage descriptions are general information only; your policy documents determine actual coverage. Availability varies by carrier.
Eric Henry, licensed insurance producer, NPN 3953606 · Affiliated with Hutsenpiller Insurance. Coverage subject to policy terms and carrier approval.