The last thing you need is for a hurricane to damage your boat. Well, that’s not quite right. The last thing you really need is for a hurricane to damage your boat when you don’t have enough hurricane insurance.
To keep that from happening, here’s a list of six things you need to know about insuring your boat in a hurricane zone from BoatU.S. This may be particularly important because the experts at Colorado State University have already predicted that this year’s Atlantic hurricane season could be worse than usual, with the possibility of 14 tropical storms and seven hurricanes.
So now is the time, according to BoatU.S., to check your policy to see if it covers such questions as who pays for salvage, and whether you have “named storm haulout reimbursements.” Even if you have a liability-only policy, you should check to see if it covers salvage and wreck removal.
Hurricane season starts June 1. You definitely want to make sure you have the coverage you need before then. And you might even be able to lower your “named storm deductible” by making the right preparations when a storm approaches. One tip: take pictures. Read more: