Insurance "lay up" provision

[zich6]

Ok, you Fl. and Southern Ca. people can go back to your knitting, because you may not be able wrap your mind around this. Specifically, due to a variety of factors, including living in North Idaho, my boating season is June-October, 4 months. So, my current insurance company out of the goodness of their heart will give me a 2% "layup" rebate, for using my boat 33% of the year. I understand comprehensive coverage should be all year, but it's stored in a locked garage. I thought about cancelling at the end of the season, then re-establishing every year, but my question is this; does anyone have an insurance company that provides a better credit for a "layup" period?
Thanks

[D&P Powell]

Ok, you Fl. and Southern Ca. people can go back to your knitting

LOL - LOVE IT! So should we go back to our knitting, or our 12 months of boat use? Decisions, Decisions!!! LOL

[BrentP]

Do you keep it at home? Does your homeowners cover it if it gets hit by a freak moose breakin?

The biggest question would be if you go 6 months without coverage do they charge you a fortune to renew?

Also if it’s financed your bank probably makes you cover it.


Good luck brother

Edit: I recognize I didn’t answer your question. I’m sorry. I don’t know but our season in Texas is basically 12 months too, so not familiar with refunds for shorter seasons. I’d think that’s factored into the premium with a lot of companies. I’ll go back to smoking a brisket or something


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[sandm]

ski safe has insured my boats since day one. they offer a decent discount for a layup period. in idaho/wisconsin I did from oct1 to april1 but now in las vegas I do dec 1 to march 1 iirc. discount is the same no matter the time line but they did say it had to be 90 days.
we are paying $340/yr for insurance and believe it was just over 5 bills for same coverage all year. worth the discount since we don't boat in the winter.

[zich6]

You guys are great and funny. It will be stored in a garage when layed up, so no moose worries, though the brisket sounds good. I'm a Certified Master BBQ judge. I guess I need to shop around.