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1. Change the Engine Oil and Spark Plugs. Many boat manufacturers recommend that you change the engine oil and filter twice a year -- prior to storage and in the spring. During storage, the oil can separate causing a condensation buildup that may harm your engine. While you're there, replace the spark plugs. Be sure to set the gaps to the recommended manufacturer's setting using a gap setting tool.
2. Prepare the Outdrive. The outdrive has many parts that need your attention. Check or change the oil in the gear housing, inspect the seals for signs of deterioration, check the power steering oil level and grease the entire drive.
3. Check the Battery. Clean the cables and terminals with a wire brush and reconnect. Depending on your battery, you may have to fill the cells with distilled water.
4. Flush the Cooling System. If you drained the cooling system and filled with a mixture of antifreeze and water to prevent freezing during storage, you need to flush and replace with a proper coolant. Be sure to check for cracks in all hoses and replace if necessary.
5. Check the Fuel System. Replace the fuel filter and examine the fuel lines for cracks and make sure they are connected and supported with approved clips and straps. You should also inspect fuel tanks and pumps for leaks.
6. Other Basic Maintenance. Be sure to check the belts for signs of wear and tear. Inspect the bilge pump, adjust the steering cables and check all navigational equipment.
7. Prepare the Hull. Visually inspect the hull for signs of cracking and peeling paint. Seal any cracks with a marine sealant approved for your type of boat, wait for the sealant to cure and prepare the hull for painting below the water line. After painting, apply a high quality wax to the hull above the waterline and deck, avoiding areas where passengers may walk.
8. Prepare the Trailer. If you will be towing your boat, don't forget to inspect the trailer. Check the tires and spare for cracks, worn treads and correct tire pressure. Check and grease the hubs. The back up and taillights should be tested. If needed, replace the bulbs and cracked wires. You may also want to operate the winch to be sure it is working properly.
9. Prepare the Safety Equipment. Even after all the mechanical components have been checked, you should never board a boat that does not have properly working safety equipment. Take the time to inspect personal floatation devices, check the expiration dates on fire extinguishers, replace old flares, test the radio and sound all warning horns.
10. Be Sure You're Covered. After making all the routine checks listed above, be sure to check your insurance policy and review your coverages to make sure they meet your current needs. If you have added any equipment, you'll want to make sure it is covered. It is also important to know how to report a claim to your insurance company. Progressive Watercraft Insurance offers policyholders in-person claims service 24 hours a day, seven days a week. Progressive's specialized boat claims representatives can come to you, even to the scene of an accident, and start working on your claim as soon as it is reported to reach a fast, fair settlement. | 
