For many Canadians, boating is a big part of their summer lifestyle: from water-skiing the deep crystal glacier lakes in the Rocky Mountains to canoeing the famous cottage country in Ontario to sailing the Atlantic Ocean on the East Coast. After all, there aren’t too many things that sound better on a hot summer day then an outing by the water.
De-winterize your boat
To keep your boat in great shape, de-winterize your vessel by performing these preventative maintenance and repair tips. (Note: This is only a list of suggested tips. For comprehensive instructions please see your boat’s owners manual or consult your boat mechanic.)
Oil check
- If you did not change the engine oil when you put the boat up for the season, spring is the time to do it.
- Be sure to change the oil filter and check the oil in the outdrive.
Battery inspection
- Re-attach the cables and make sure the terminals are not corroded (wipe clean if corroded).
- Check the volts and amps with a battery tester.
Fuel system
- Change the fuel filter, make sure that the fuel line is attached and not cracked as these hoses can become dry and brittle in the winter.
Distributor
- Remove and clean distributor cap as corrosion could have occurred during the winter. Be sure to restore all connections afterwards.
Belts
- Tighten the belts. If the belts do not fit snug into their pulley grooves, they may be worn and in need of replacement.
It is also important to make sure all safety equipment such as radios, life jackets, and fire extinguishers are on board and in working condition.
Review your boat insurance
Insuring your boat depends on a number of things such as the type of boat and how you use it.
- Some home insurance policies provide automatic coverage for watercraft such as canoes, rowboats or sailboats. However, there can be limitations to what is covered. For boats with higher value or higher horsepower-to-length ratio, such as a pontoon or outboard, you will require separate insurance coverage.
- If your watercraft is used for business purposes or being rented to others, there will be limitations in your insurance. Connect with your BrokerLink broker to discuss additional coverage.
- Remember: Make sure you have boat coverage year-round. Theft, vandalism and fire are just a few examples of how your boat is at risk; even during off-season months when it is not out on the lake. Learn about continuous coverage.
- Make sure your boat is insured to its current market value to ensure you recover the full worth of the boat in the event of a total loss. Most insurance companies recommend coverage of at least $2 million in case any physical damage or personal liability occurs.
Whatever kind of boat you own, your BrokerLink broker will work with you to assess your risks and determine your needs, customizing insurance to fit so that you can cruise, motor or sail worry-free.
