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Hurricane Coverage protects your vessel from damage caused by named storms, tropical cyclones, and severe weather events. When high winds, heavy rain, or storm surge cause physical loss or destruction to your boat, this coverage helps pay for repairs, recovery, and relocation costs so your vessel can be restored quickly and safely.
Standard Hull policies often include limited storm protection, but dedicated Hurricane Endorsements provide broader safeguards — covering hauling, dry-dock storage, hurricane haul-out costs, and post-storm inspection expenses. With the increasing frequency of major storms, this coverage is an essential layer of protection for any vessel moored or operated in hurricane-prone areas.
Hurricane Coverage can also include storm-preparation reimbursements, helping offset costs for professional tie-downs, marina relocation, or protective measures taken before landfall.
We design marine policies that reflect local risk zones and seasonal weather patterns, ensuring your vessel is covered before, during, and after the storm.
Our policies can reimburse you for hauling or moving your vessel to a safer location when a hurricane warning is issued — minimizing risk before the storm hits.
Our marine specialists coordinate directly with underwriters and claims adjusters experienced in hurricane recovery, streamlining post-storm inspections and payouts.
We don’t just insure your boat — we help you prepare it. Our team provides hurricane-readiness checklists and coverage reviews before each storm season.
Full Hurricane Coverage protects against damage caused by hurricanes, tropical storms, high winds, flooding, and debris impact. It provides financial protection for repairs or total loss when a named storm causes physical damage to your vessel.
Yes. Many marine insurers include haul-out reimbursement to cover the cost of removing your vessel from the water or transporting it to a safe location when a hurricane watch or warning is issued. This helps prevent damage before the storm arrives.
In most cases, yes. Policies may reimburse storm preparation expenses such as hauling, anchoring, double-tying mooring lines, or removing sails and canvas. These proactive actions help minimize potential storm damage.
A named storm is any tropical system formally identified by the National Hurricane Center (NHC) or other official weather authority. Coverage typically activates once the system enters your region’s forecast cone or when a local hurricane warning is issued.
Exclusions often include normal wear and tear, mechanical breakdowns, pre-existing damage, and failure to follow storm preparation guidelines. Policies may also exclude losses from non-named storms or if the vessel remains in a restricted area after a warning is declared.
Yes. Hurricane deductibles are often higher than standard hull deductibles, reflecting the increased risk associated with named storms. Deductible amounts vary by insurer, region, and vessel value.
Most insurers require a Named Storm Plan that outlines how you will secure or relocate your vessel when a storm is approaching. Following this plan not only keeps coverage valid but can also reduce your premium and improve claim eligibility after a hurricane.
