The Importance of Boat Insurance During Hurricane Season

When hurricane season approaches in Blairsville, GA, boat owners face more than just rough waters; they face increased risks of costly damage or loss. Having the right boat insurance in place before a storm forms can make a big difference in how quickly you recover.

Why Hurricane Coverage Matters

Hurricanes can bring high winds, flooding and flying debris, all of which can severely damage or destroy a vessel. While standard boat policies may cover many types of storm damage, limits, exclusions and deductibles can vary. Reviewing your policy before hurricane season can help you spot gaps in protection.

The following are tips for financially protecting your vessel:

• Check storm haul-out coverage. Some policies may help pay for hauling your boat out of the water or moving it to a safer location when a named storm is approaching.
• Confirm wind and flood protection. Wind damage might be standard, but flood coverage often requires an endorsement or separate policy.
• Review your deductibles. Hurricane deductibles may differ from regular ones, so make sure you understand how much you’d be responsible for if you file a claim.
• Document your vessel’s condition. Photos and maintenance records can support your claim if damage occurs.
• Know your marina’s storm plan. Some facilities require boat owners to remove vessels during hurricanes; your policy may require compliance to maintain coverage.

Timing Is Key

Most insurers won’t allow policy changes or new coverage once a storm is named, so making adjustments early in the season is important.

Get the Coverage You Need

Hurricanes can be unpredictable, but your coverage doesn’t have to be. By reviewing your boat insurance with Esquire Insurance Services of Georgia now, you can help ensure your vessel is prepared for whatever the season brings. Contact us today to learn more.

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.