Turn the day you cover and lock up your bike, boat or RV into the foundation for another year of adventure.

* Update your insurance policy as needed:  Give your insurer a call, or log into your policy, to make sure you’ve got enough coverage for the off-season. Coverages like these may be even more valuable when your vehicle is in storage:

* Comprehensive/collision: Comprehensive covers fire and theft, as well as damage caused by storage roofs buckling or collapsing.

* Bodily injury/property damage: If your bike, boat or RV catches fire while in storage, and the fire spreads, property damage helps cover repairs to the building or to other vehicles.

* Shield your bike, boat or RV from the elements:   Thoroughly winterize your vehicle or vessel, following the manufacturer’s recommendations. This can help prevent freeze damage and maintenance issues that your insurer likely won’t cover.