Everyone out of the water?

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The insurance angle is puzzling to me. Do you pay extra to stay in the water?
 
I’m in for the winter. Everything is winterized and will shrink wrap it sometime in December. Dock de-icers will be installed soon. I see no reason to haul every winter in a protected CT saltwater harbor.
Been doing it for years.
 
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I’m in for the winter. Everything is winterized and will shrink wrap it sometime in December. Dock de-icers will be installed soon. I see no reason to haul every winter in a protected CT saltwater harbor.
Been doing it for years.
I get the idea that you can do it. Our insurance does not cover in the water storage. Don't get why that is not an issue on the east coast. We have bubbled, protected harbors too.
 
I went to high school and college in Connecticut and spent 3 years in Chicago in the early 2000’s. From what I remember, Chicago was waaaaaasay colder than any winter I ever experienced in coastal CT. Sure it got cold and snowed, but it never, ever got to minus 20F ...which it did on several occasions in chi-town. Couple temps like that with fresh water, and maybe that’s why you guys’s policies are the way they are. Just a guess.
 
Ours are too, but, they specify layup November 1st through March 31st. It is not that we do not have coverage, just have terms that require layup.

This is our norm, we want to know why your norm is different.

MM
My layup is 10/15 to 4/15. It's insurance, they have less severe conditions/risk.
 
Strange thing but when I lived up north having my boat properly winterized provided a peaceful calm for me. It was a stress free and relaxing time knowing that for 5 whole months I didn't have to fix or replace anything that broke or wore out.
 
Ours are too, but, they specify layup November 1st through March 31st. It is not that we do not have coverage, just have terms that require layup.

This is our norm, we want to know why your norm is different.

MM
When I had my 300DA in DC area my insurance specified layup Dec 1 - March 1, but "layup" did not mean haulout. It just meant you can't use the boat and be covered for a claim. I kept it in the water and used it as my man cave for watching sports.
 
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When I had my 300DA in DC area my insurance specified layup Dec 1 - March 1, but "layup" did not mean haulout. It just meant you can't use the boat and be covered for a claim. I kept it in the water and used it as my man cave for watching sports.
Ours specifies layup on the hard. Like someone said, it's probably about minimizing risk.
 
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Ours specifies layup on the hard. Like someone said, it's probably about minimizing risk.

I'm sure you could have the layup requirement removed for an additional premium. My policy covers inland lakes only. When I take the boat to the coast in the summer I call NBOA and they endorse the policy to permit coastal boating. Cost is about $100.
 
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I'm sure you could have the layup requirement removed for an additional premium. My policy covers inland lakes only. When I take the boat to the coast in the summer I call NBOA and they endorse the policy to permit coastal boating. Cost is about $100.
If we lived in a protected area, I would look at that. We have 2 miles of open water to our west and about the same from the east. When the ice goes out in the Spring it can do damage. We had a 60 foot piling snapped off at the lake bed level a few years ago from moving ice. That flow would have destroyed our boat. There are a few homes around here on canals and protected bays. In the water storage might work in those locations.
 
"Ocean water freezes just like freshwater, but at lower temperatures. Fresh water freezes at 32 degrees Fahrenheit but seawater freezes at about 28.4 degrees Fahrenheit , because of the salt in it. When seawater freezes, however, the ice contains very little salt because only the water part freezes"

We're still in. We leave her in the water all winter after blowing out the water systems and putting 7 heaters inside the boat and doubling up the lines. She's all tucked in now for the winter.
I would be more concerned about snow loads. I've seen BoatUS pics of boats sunk because of it. I assume that with shrinkwrap and the heaters that the snows melts?
 
We boat on an Army Corps flood control lake... they drop it 77 feet for winter pool. In that picture, it's down ~54 feet. My slip (the one furthest out, at the very right, inside) sits in about 40 feet of water at summer pool.
How long does it take to fill the marina back up? Is it dramatic watching the water flow in or does it happen so gradually that it slowly comes up?
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This insurance question is interesting, it is unusual that the CSR brain trust (our collective knowledge) does not have a consensus answer beyond general weather differences.

It may be the combination of all the individual weather issues expressed here. I may call Global Marine next week and ask.

MM
 
Insurance answer is as simple as money.
I agree 100% that conditions dictate the ability to remain in-water over the winter. My marina has no hard freeze or ice flows to worry about and it’s a working harbor all year long.
Last time in stayed in the water, I was playing with my Harbor Freight infrared heat gun on some prolonged cold snaps middle winter.
Amazing how warm the hull was below the waterline in the ER.
The boat is shrink wrapped and winterized with no heaters on.
 
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Insurance answer is as simple as money.
I agree 100% that conditions dictate the ability to remain in-water over the winter. My marina has no hard freeze or ice flows to worry about and it’s a working harbor all year long.
Last time in stayed in the water, I was playing with my Harbor Freight infrared heat gun on some prolonged cold snaps middle winter.
Amazing how warm the hull was below the waterline in the ER.
The boat is shrink wrapped and winterized with no heaters on.

Great since the answer is "simple as money" what causes them to charge more money if a boat is left in the water in the Great Lakes?
 
Great since the answer is "simple as money" what causes them to charge more money if a boat is left in the water in the Great Lakes?

Much greater risk wintering in fresh water.
 

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