In Florida, hurricane season runs June 1 through November 30, and it changes how boats and yachts are insured. Most marine carriers here require a written hurricane plan and apply a separate named-storm deductible. Understanding both before a storm forms is the best way to avoid surprises after one passes.
How named-storm coverage works
- Named-storm deductible: often a percentage of the hull value and higher than your standard deductible, applying when damage is caused by a named storm
- Hurricane plan: your plan describes where and how the boat will be secured (hauled out, moved to a hurricane hole or secured at the dock) and who is responsible for doing it
- Haul-out reimbursement: many policies help pay the cost of hauling or moving the boat when a named storm threatens
- Wreck removal & pollution: important after a storm, when debris and fuel cleanup can be required by law
Steps to take before the season
- Review your policy with us before June 1 so you know your named-storm deductible
- Update your hurricane plan whenever your marina, storage or captain changes
- Confirm haul-out arrangements with your marina or yard early in the season
- Photograph your boat and equipment and keep documents stored off the vessel
For more storm preparation resources, see our hurricane guides.
Talk to us before the next storm
If you are not sure what your policy does during a named storm, we will review it with you and compare options with carriers that write marine risks in South Florida. Call (754) 212-4459.
Protect more than the boat
Most of our marine clients also trust us with their homes, cars and liability. Keeping everything with one agency means one point of contact, coordinated liability limits and no gaps between policies.
- Homeowners & condo, including waterfront homes and wind coverage
- Auto, exotic & collector cars
- Personal umbrella liability that sits over your boat, home and auto policies