How Boat Insurance Helps During Hurricanes in Florida

Florida’s beautiful coastline and vibrant boating culture come with a significant risk: hurricanes. Each year, the Atlantic hurricane season threatens thousands of vessels, making boat insurance not just a luxury but a necessity for boat owners in the Sunshine State.

Benefits of Boat Insurance

Boat insurance can offer critical financial protection before, during and after a hurricane. Most policies can help cover damage caused by wind, rain and storm surge, which are common culprits in hurricane-related destruction. This means if your boat is damaged while docked, stored or even in transit during a storm, your policy can help cover repair or replacement costs.

Many insurers also offer hurricane haul-out coverage, which can help reimburse boat owners for the cost of moving their vessel to a safer location ahead of a storm. This proactive measure can significantly reduce the risk of damage and is especially valuable in hurricane-prone areas like Florida.

Additionally, boat insurance often includes liability protection, which can be crucial if your boat causes damage to other property or vessels during a storm. Some policies even cover salvage and wreck removal, helping you manage the aftermath if your boat sinks or becomes stranded.

Importantly, insurers may require boat owners to follow specific storm preparation guidelines to maintain coverage. These can include properly securing the boat, using hurricane-rated moorings or relocating it to a designated safe harbor.

Learn More

For boat insurance near you, contact Ramey Insurance Agency.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.