Cottage & seasonal home
Drain, heat, monitor, and document an empty property before the first hard freeze.
Michigan seasonal storage guide
Protect what you put away.
A pipe that freezes, an engine block that cracks, or a trailer that disappears can turn winter storage into a spring claim. Pick what you are storing and work through the practical steps before the weather turns.
Four focused guides
What are you putting away?
Each guide includes the physical prep, the insurance questions worth asking, and a print-friendly checklist you can take to the garage, marina, or cottage.
Boat & watercraft
Protect the engine, fuel system, batteries, interior, trailer, and winter coverage.
Classic & summer cars
Prevent stale fuel, flat-spotted tires, dead batteries, moisture, and rodent damage.
ATVs, UTVs, dirt bikes & trailers
Secure the machines, prep the mechanicals, record every VIN, and check the policy.
Before you close the door
Three gaps that can change a winter claim
Freezing
Coverage depends on the steps you tookMany property and watercraft forms limit freeze losses unless heat was maintained, systems were drained, or the equipment was winterized as required.
Vacancy & unoccupancy
Tell us before the property sits emptySome forms narrow theft, vandalism, glass, or water coverage after a property has been vacant or unoccupied for a stated period.
Cancelled winter coverage
No active policy means no storage protectionStorage-season options may keep protection for theft, fire, and weather. Cancelling the policy can leave the item completely uninsured.
A five-minute check now
Call before you store it, move it, or reduce coverage.
If coverage is adjusted for storage, contact us before the first spring drive, ride, or launch. Coverage does not automatically return on its own.
This guide is general information, not a coverage decision. Coverage depends on your carrier, policy form, endorsements, facts, and applicable terms. Ask us to review your own policy before a loss.