Winter boat storage

5 minute read Published on May 8, 2025 by BrokerLink Communications

Marina in the off season of wintertime.

When boat season comes to an end, finding winter boat storage options can be challenging. Luckily, BrokerLink has got you covered. Learn more about how you can keep your boat secure this winter season with our storage guide below.

Winter storage solutions for boat owners

When it comes to winter boat storage, you'll be happy to know that there are several options available to you, including indoor boat storage and outdoor boat storage facilities. Here's a closer look:

Indoor boat storage

Indoor boat storage is a great option if you're worried about your boat being damaged by the weather during the winter months. If you have space on your property where you can store your boat properly, you've hit the jackpot. If this isn't an option, you'll need to consider a climate-controlled storage facility.

Note that while an indoor storage facility can offer peace of mind, knowing your boat is safe from the elements, this can be an expensive option, especially when you have the boat shrink-wrapped. So, if you have indoor boat storage at home, you may want to consider this first.

Outdoor boat storage

If an indoor storage facility isn't possible and you can trailer your boat, you'll need to consider outdoor storage. In warmer climates with calmer waters year-round, you can consider keeping your boat in the marina. Another type of winter boat storage for the outdoors is to dry stack your boat in the marina. Most marinas have indoor and outdoor storage options. You can also store your boat in a shipyard if there is one nearby.

Is it better to keep your boat indoors or outdoors during the winter?

Truthfully, when it comes to storing your boat during the winter, both methods are great. It really depends on your budget and the size of your boat. If you have space on your property, storing your boat on-site offers convenience and the ability to check on your boat whenever you want.

If you don't have room but have the financial means to do so, boat storage in a facility is an excellent way to ensure your boat is secure. Alternatively, if outside on a lift is all that's available, your boat will still be fine come the summer.

Preparing your vessel for storage

Regardless of which winter storage method you use, you'll need to winterize your watercraft to avoid damage and keep your boat in tip-top shape all winter long. Here's what you need to do before you store your boat:

  • Clean the boat inside and outside to prevent damage.
  • Change engine oil.
  • Disconnect boat battery.
  • Lubricate moving parts.
  • Add fuel stabilizer to the engine.
  • Flush out the cooling system.
  • Remove drain plug from the hull.
  • Drain hoses, fishing tank, and pumps.

Ensure you have the right boat insurance in place

Beyond choosing how to store your boat and preparing it for the winter, you'll also want to consider your boat insurance options. Boat insurance is important for many reasons while out on the water. However, it can also protect your boat while it is stored away. When purchasing boat insurance, here is the type of coverage you'll receive with a standard policy:

Property coverage

The property coverage portion of your boat insurance will protect your boat when in a boat storage facility, parked, or out on the water if it is damaged as a result of certain perils listed in your policy. Common perils covered under this policy include theft, vandalism, certain weather conditions, and collisions.

Third-party liability insurance

Third-party liability insurance works similarly to what you would find in a standard car insurance plan. With this policy, you'll be protected in the event you cause property damage or bodily injuries to a third party while operating your boat.

In the event a lawsuit is filed against you, your third-party policy will cover the cost of repairs, replacements, medical bills, funeral costs, legal fees, and other associated costs with your lawsuit.

Temporary replacement coverage

Temporary replacement coverage will provide you with a temporary boat in the event yours is in the repair shop for damages or is replaced entirely, ensuring you can enjoy the summer out on the water should the unexpected happen.

It's important to note that all boat insurance is different, and there are optional coverages you can add to your standard plan to supplement your overall protection. So, before purchasing insurance for your boat, make sure you shop around with different providers, ask about insurance discounts, and compare quotes. That way, you can get the best deal available without going over your budget.

What is actual cash value boat insurance?

When you purchase boat coverage, you may have an actual cash value policy. To calculate actual cash value, the amount you receive when your boat is damaged, and a claim is filed with your provider will be calculated based on the boat's current value minus the actual cash value depreciation.

What boat safety requirements should I know as a first-time boater?

Heading out on the water comes with risks, which is why knowing and following boat safety requirements are imperative, especially if you're boating with other people during the boating season. Beyond various-sized life jackets for everyone on board, you should also have a fire extinguisher on board, a flare, a first aid kit, a reusable floating device, and more. For a more comprehensive list, refer to our first-time boat owners checklist.

Are boat licences mandatory in Ontario?

Yes, boat licences are mandatory in Ontario. To get a boat license in Ontario, you need to enrol in a boat safety course and pass a written test. Once you've successfully passed the exam, your licence will be mailed to you within a couple of business days. A temporary one will be issued to you in the meantime.

How can I register my boat in Alberta?

To register a boat in Alberta, you have to complete a registration form, which you can find on the Ministry of Transportation website. Once your boat is officially registered, you will receive a title, the option to name it, and the ability to fly any flag you choose.

How much does it cost to shrink-wrap my boat for winter?

Shrinkwrapping during the winter is a great way to keep your boat safe and secure while it's in storage. While the cost of wrapping your boat will vary between facilities, owners can anticipate paying anywhere between $10 to $50 per foot.

Are boat shows worth attending?

Boat shows in Canada are worth going to if you're a boating enthusiast. From keynote speakers to boat demonstrations and free samples, attending boat shows is a great way to meet new people, check out new boat models, and learn more about the world of boating.

Contact BrokerLink for affordable boat coverage

At BrokerLink, we help boaters find affordable insurance coverage. With years of experience and access to some of Canada's top providers, our brokers see if you're eligible for discounts, answer questions, and customize your insurance coverage to meet your unique boating habits, including coverage for:

To work with BrokerLink, visit us at one of our locations across Canada. If we're not in your neighbourhood, you can still contact us via phone or email. Also, if you're still browsing, take advantage of our free online quote tool for a competitive insurance quote within minutes!

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