You are going to have to ask each yard what is allowed in terms of DIY.
I just used the rates from Brewers in Glen Cove to get you an estimate for winter storage for your 25' sailboat in the NYC area. I used them as they have their updated 2010/11 prices updated and I am familiar with their yard.
Power wash: $81 ($3.25/ft - mandatory)
Shrink wrap: $406 ($16.25/ft)
Outside storage-mast up: $1300
Total: $1787 just for the winter.
Their in-water storage fee is: $850 for your 25' boat.
Their contract makes it sound like most DIY activity is not allowed but I know one fellow who keeps his boat there and a lot of DIY activities happened on his boat.
I'd definitely look into the places on City Island for price comparison shopping. Brewers GC will likely be on the high side of estimates you get from other yards in the area.
These winter storage prices might make you think again about joining a club like Hempstead Harbor Club that provides both summer and winter services at a more reasonable yearly price.
The cheapest way to deal with this is if you had a driveway and a trailer for your boat.
Whatever you do it is going to cost something.
Good luck with your winter storage search.
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