Facts You Should Know About Boat Insurance Coverage and Hurricane Season


Facts You Should Know About Boat Insurance Coverage and Hurricane Season

When hurricane season comes, boat insurance coverage can be crucial in mitigating potential risks and providing protection against storm damage. Boat insurance policies typically include provisions covering boat repair and replacement costs should damage occur due to weather-related events.

Boat owners should carefully review the terms and conditions of their policies to understand the extent of coverage offered. In the case of a named storm, a boat insurance policy may provide financial assistance for repairs or replacement, offering peace of mind during challenging times.

Why Is Boat Insurance Necessary?

Boat insurance coverage typically extends to weather-related risks, such as lightning strikes, hail damage, windstorms, and floods. By having comprehensive coverage in place, boat owners can reduce potential financial losses caused by these natural occurrences.

Boat owners should clearly understand the specific coverage provided by a boat insurance policy. The policy documents or the insurance provider could provide detailed information about the scope of coverage and any limitations or deductibles that may apply to storm-related damage.

Storm Boat Insurance Coverage 

Storm boat insurance coverage encompasses various losses that can occur during such weather events. This coverage is precious in coastal regions and typically includes the following:

Named Storm Insurance

An insurance policy with named storm coverage covers damage to a boat resulting from a tropical depression, storm, or hurricane officially named by the National Weather Service.

Flood Coverage

This coverage protects against damage caused by inland flooding. It also covers damage caused by storm surges, heavy rainfall, and other flood-related conditions that may arise from a named storm. 

It is vital to differentiate flood coverage from storm insurance. While storm coverage focuses on damage caused by the specific storm, flood coverage specifically addresses damage resulting from flooding.

Wind and Hail Coverage

This coverage addresses the costs of repairs when a boat’s structure and personal equipment sustain damage due to strong winds or hail. Such damage can occur due to hurricanes or named storms, tornadoes, or winter storms.

The Right Time to Buy Storm Insurance

Purchasing named storm insurance at the last minute is generally not possible. After the National Weather Service has sent out a warning for a named storm, owners will likely be able to obtain this specific coverage.

To ensure adequate protection, obtaining insurance early and avoiding leaving it as a last-minute task is advisable. Storm insurance, in particular, may not be available if sought when a storm is already imminent. 

Boat owners must prioritize insurance arrangements and address them promptly. Doing so will help safeguard them against potential losses associated with named storms.


Boat owners are among the most vulnerable to severe damage in a storm. To best protect their assets, they should strive to learn more about the current hurricane season. Getting the right coverage to ensure their financial protection during these times is also advisable. 

About Merrimac Marine Insurance

At Merrimac Marine, we are dedicated to providing insurance for the marine industry to protect your clients’ business and assets. For more information about our products and programs, contact our specialists today at (800) 681-1998.