Keeping your boat in good shape during the off-season doesn’t just give you peace of mind — it also protects one of your most valuable investments. For boat owners in Fort Myers, winter storage isn’t always top of mind since the area rarely sees freezing temperatures, but skipping proper prep can still lead to wear and damage. Whether your boat spends winter at the marina, in your backyard, or in a storage facility, getting ahead of small problems can help you avoid costly repairs down the road.
If your boat is insured, winter prep takes on even more importance. Many policies come with certain requirements about where and how your boat is stored outside of active use. Not meeting those can lead to issues if you need to file a claim. Let’s walk through how to get your boat ready for the Florida winter and make sure it stays protected, inside and out.
Inspect Your Boat Thoroughly
A careful inspection is the first step to safe storage. Before putting your boat away for the season, take the time to look over every part. You’re checking for damage, wear, or anything that needs attention now so it doesn’t get worse while the boat is sitting idle. It also helps to show your insurance company that you took reasonable steps to protect your boat before storing it.
Here are some areas to focus on during your walk-through:
– Hull: Look for cracks, chips, or signs of blistering. Even a small crack can become more serious over time.
– Propeller and lower unit: Check for dings, bent blades, or fishing line wrapped around the shaft.
– Electrical systems: Inspect the battery, fuses, and wiring. Remove and store the battery if not already done.
– Interior surfaces: Look for signs of fading, mildew, or surface damage that needs cleaning or patching.
– Safety equipment: Check that life jackets, fire extinguishers, and flares are in good condition and not expired.
Make a written or photo record of your inspection. That way, if you need to file a claim later, you’ll have proof of your boat’s condition before storage.
Clean And Dry Your Boat
Cleaning isn’t just about making your boat look nice. It’s about preventing damage. Dirt, salt, and moisture can slowly eat away at surfaces, while leftover food crumbs or damp cushions can invite pests or mildew. Giving your boat a thorough cleaning before storing it is one of the smartest preventive steps you can take.
Start by washing the outside of the boat with a gentle boat cleaner. Rinse off all salt or residue, especially if you use your boat in the Gulf. For the interior, vacuum the floors, wipe down all surfaces, and empty any storage compartments. If you use your boat for fishing, make sure to clean out live wells and bait tanks completely.
After cleaning, let everything air out. Prop open storage areas and seats, and leave hatches slightly cracked if it’s safe. A small fan or moisture absorber can also help dry things out. Damp spots are the number one cause of mildew. Once everything is fully dry, you can decide whether to cover it right away or wait — but never wrap up a damp boat. One Fort Myers owner learned this the hard way when he opened his boat in spring to find his upholstery covered in mold, thanks to a rushed winter wrap job.
Using the right tools can make this job easier. Stick with cleaners and polishes that are safe for marine use, and avoid anything too harsh that might damage your seats or deck. A soft cloth, multipurpose boat cleaner, and a long-handled brush go a long way in getting the job done without too much elbow grease.
Winterize The Engine And Systems
Even though Fort Myers doesn’t typically get freezing weather, boat engines and onboard systems still benefit from winterizing before being stored. Sitting unused for weeks or months without care can lead to buildup, corrosion, or clogged systems that take time and money to fix when spring rolls around. If your boat is covered by insurance, this kind of preventive maintenance can help you avoid claim denials related to neglect.
Start with the engine. Whether you have an outboard, inboard, or stern drive, run fuel stabilizer through the system before shutting it down. This helps keep the fuel fresh and protects the engine’s internal parts from varnish and gunk. Also drain and replace any water or older engine fluids. Changing the oil and gear lube is a good idea, especially if your boat has hit its service hours.
Next, check the electrical systems. Disconnect the battery and store it in a cool, dry spot if possible. You can hook it up to a trickle charger once a month to keep it alive. Inspect the terminals for corrosion and clean them if needed.
Don’t forget the water systems. Drain any freshwater or washdown tanks, and blow out the lines if you can. Leftover water, even in a warm place like Florida, can breed bacteria or damage seals if the temperatures ever dip. Same goes for your bilge. Clean it out and leave the hatch cracked so air can flow. A box of baking soda or ventilation puck helps keep musty smells away too.
Following your boat’s manual is always recommended. Each setup is different, so stay in line with your manufacturer’s guidelines. What matters now is making sure everything is dry, flushed, and ready to sit idle.
Choose The Best Storage Location In Fort Myers
Where you store your boat during winter makes a big difference, especially when you’re talking about protecting your hull, upholstery, and onboard gear. Some storage options offer more protection than others, but they also come with different trade-offs in cost and convenience. Even if winter in Fort Myers is milder than in northern states, your boat still needs a safe place to rest.
Here are a few things to think about when deciding where to park it for the season:
1. Indoor storage: This is your best line of defense against weather damage and theft. Marina buildings or personal garages keep boats out of direct sun, wind, and moisture. It also helps prevent long-term UV damage to your paint and seats. The downside is availability and price. Indoor slips fill up fast.
2. Covered outdoor storage: A step below indoor, but still offers UV and rain protection. Make sure the cover is in good shape and fits tight. Gaps and tears let moisture in. Also check that it’s on level ground and anchored well if wind picks up.
3. Uncovered yard storage: Cheaper and easier to find, though your boat is fully exposed. If you go this route, invest in a high-quality, waterproof cover. Avoid using tarps or blankets that trap in moisture or wear away at the paint. Remove valuables and electronics before storage too.
4. On-the-water berths: Some boaters leave vessels docked all year round. For this to be a good option, your insurance should still cover moored storage. Keep a dehumidifier or bilge pump running if ongoing maintenance is possible. Otherwise, this can be riskier during storms or high tides.
No matter where your boat sits over winter, always lock up storage units and double-check all latches on your cover. Most insurance policies won’t cover damage caused by poor storage, so it’s worth thinking things through. Spending a few extra minutes choosing the right spot now can save you hours of cleanup later.
Winter Preparations Made Easy with Bassine Insurance Agency
Getting your boat ready for the winter months might seem like a hassle, especially when Fort Myers doesn’t freeze like other parts of the country. But taking the time to clean, inspect, and prepare your vessel can go a long way in preserving its condition and value.
For boat owners with insurance, this prep work also matters for peace of mind. Many policies expect certain standards of storage and upkeep. Forgetting to stabilize your fuel or leaving a gap in your cover might not seem like a big deal now, but these small oversights could lead to issues if you need to file a claim later on.
The off-season is the perfect time to give your boat some extra attention. Whether it’s wiping everything down or winterizing your systems, each step helps protect not just your investment but the memory-making moments it helps create. When spring returns, you’ll be glad you took the time to do it right.
Staying ahead of upkeep means more than just maintaining appearances—it’s about protecting your investment year-round. If you’re looking for added peace of mind this winter, exploring your options for boat insurance in Fort Myers is a smart step. Bassine Insurance Agency is here to help you safeguard your boat with coverage that fits how and where you store it.