Does Boat Insurance Cover Hurricanes?

Last Updated on October 16, 2022

As a boat owner, you’re probably wondering if your insurance policy covers damage from hurricanes. The answer is maybe. It depends on the type of policy you have and the specifics of the hurricane.

Here’s what you need to know about boat insurance and hurricanes.

The answer to this question is yes and no. It all depends on the insurance company and the type of policy you have. Some policies will cover damage caused by hurricanes, while others will not.

It’s important to read your policy carefully and understand what is covered before a hurricane hits. If you live in an area that is prone to hurricanes, it’s a good idea to get hurricane insurance for your boat. Boat owners who live in hurricane-prone areas should ask their insurance agent about getting coverage for their boat.

Does boat insurance usually cover hurricane damage? 🛥🌊🌀

Does Boat Insurance Cover Natural Disasters?

No, boat insurance does not cover natural disasters. This is because natural disasters are considered to be acts of God and are therefore not covered by insurance policies.

What is Not Covered by Boat Insurance?

Boat insurance is a type of insurance that helps protect your investment in case of an accident or theft. It is important to know what is not covered by your boat insurance policy so that you can be prepared for any out-of-pocket expenses. The following are some of the most common exclusions from boat insurance policies:

1. Damage caused by normal wear and tear: Over time, your boat will suffer from normal wear and tear no matter how well you take care of it. This includes things like fading paint, minor cracks or dents, and chipped gelcoat. Most boat insurance policies will not cover this type of damage.

2. Maintenance and repairs: Your boat insurance policy will not cover the cost of routine maintenance or repairs. This includes things like changing the oil, tune-ups, and replacing worn parts. You will need to pay for these costs out of your own pocket.

3. Depreciation: If you need to make a claim on your boat insurance policy, the insurer will only reimburse you for the current market value of your vessel minus any depreciation that has occurred since you purchased it. This means that if you have a newer boat, you may not receive enough money to cover the cost of replacement if it is damaged beyond repair. 4. Customization: Any customizations or modifications made to your boat after purchase are typically not covered by insurance unless they have been specifically listed on your policy beforehand (and even then coverage may be limited).

What is the Hurricane Zone for Boat Insurance?

Most insurers will not cover boats in areas that are prone to hurricanes. The hurricane zone for boat insurance typically extends from North Carolina to Texas. Some insurers will provide coverage for boats in these areas, but it is typically limited and comes with a higher premium.

If you live in an area that is prone to hurricanes, it is important to check with your insurer to see if they offer coverage for your boat.

What Do Boat Owners Do During a Hurricane?

When a hurricane is approaching, boat owners have a few different options. They can either try to ride out the storm on their boat, tie their boat up securely to a dock or other structure, or haul their boat out of the water and store it in a safe place. Riding out the storm on your boat is only advisable if your vessel is large and sturdy enough to handle rough weather, and if you are experienced enough to know how to keep it safe during high winds and waves.

If you do choose to ride out the storm on your boat, make sure to secure all loose items onboard, drop anchor in a sheltered location away from any potential hazards like docks or other boats, and monitor the weather conditions closely so you can take action if necessary. Tying your boat up securely to a dock or other structure is another option for riding out a hurricane. This will help protect your vessel from being smashed against something by high winds or waves.

Progressive Boat Insurance

Progressive Boat Insurance is a leading provider of boat insurance in the United States. They offer a wide variety of coverage options to meet the needs of boat owners, including liability, collision, and comprehensive coverage. Progressive also offers speciality coverages such as emergency towing and on-water assistance.

Does Boat Insurance Cover Propeller Damage

You’re out on the open water, enjoying the sun and the waves, when suddenly you hear a loud bang. You look back to see that your propeller is damaged. Now you’re wondering, does boat insurance cover propeller damage?

The answer is maybe. It all depends on your insurance policy and what caused the damage. If you have collision coverage, then your policy will likely cover the cost of repairs or replacement.

However, if the damage was caused by something other than a collision (like running aground), then it probably won’t be covered. So if you’re worried about damaging your propeller, it’s best to get collision coverage on your boat insurance policy. That way, you can rest assured knowing that you’re covered no matter what happens.

Boat Insurance Hurricane Zone

If you’re like most boat owners, you probably don’t give much thought to your insurance policy until something happens. But if you live in a hurricane-prone area, it’s important to make sure your policy is up to date and covers any potential damage from a storm. There are two main types of boat insurance: hull coverage and liability coverage.

Hull coverage protects your boat itself from damage, while liability coverage protects you from being sued if someone is injured while on your boat. Most policies will cover damage from storms, but there may be some limits or exclusions depending on the insurer. For example, some insurers may not cover boats that are left unattended during a hurricane, or they may only cover certain types of damage (like wind or wave damage).

It’s important to read through your policy carefully so you know what’s covered and what isn’t. If you live in a hurricane-prone area, it’s also a good idea to add extra protection to your policy. Many insurers offer “hurricane deductibles” which waive the normal deductible if your boat is damaged by a named storm.

Hurricane deductibles typically range from 1% to 5% of the total value of your boat, so it’s important to get quotes from several different insurers to see who offers the best rates. No one likes thinking about their boat being damaged by a hurricane, but it’s important to be prepared just in case. Make sure you have adequate insurance coverage and know what’s included in your policy so you can rest easy knowing you’re protected against any potential storm damage.


Boat insurance typically does not cover hurricane damage. This is because most boat insurance policies have a named storm clause that excludes coverage for damage caused by storms with a specific name, like hurricanes. If you want your boat to be covered in the event of a hurricane, you’ll need to purchase hurricane insurance specifically for your boat.