Short answer: In Florida, many boat and yacht policies include named-storm terms: a separate hurricane or named-storm deductible, conditions about where and how the boat is kept during a storm, and sometimes a written hurricane plan you submit with the application. Some policies help pay haul-out or relocation costs when a storm threatens. Read those sections before the season, because a plan you didn't follow can affect a claim. Nymble Insurance is a licensed Florida independent agency that quotes boats, sportfishing boats and yachts across multiple carriers. Call (813) 291-3484.

Policy terms to check now

  • Named-storm deductible. Often a percentage of the boat's insured value rather than a flat amount.
  • Hurricane plan requirement. Some carriers ask for a written plan at application or renewal.
  • Haul-out or relocation coverage. Whether the policy shares the cost of moving the boat when a watch or warning is issued.
  • Navigation limits. Some policies restrict where the boat may be during hurricane season.
  • Agreed value vs. actual cash value. Agreed value sets the payout for a total loss up front.
  • Wreck removal and fuel spill liability. Marinas often require these, and storm losses trigger both.

What a good hurricane plan covers

  1. Where the boat goes. Hauled out on land, a hurricane hole, or a secured marina slip, and the backup if that spot is full.
  2. Who moves it, and when. Name the person or service and the trigger, such as a hurricane watch for your area.
  3. How it's secured. Extra lines, chafe protection, fenders, and removal of canvas, sails and electronics.
  4. Your marina's rules. Many Florida marinas require boats to leave or be hauled before a storm. Get the policy in writing.
  5. Records. Dated photos of the boat and its equipment before the season.

Follow the National Hurricane Center for forecasts and move early. Boatyards fill up fast.

Want a boat policy with clear hurricane terms? We are a licensed Florida independent agency, so we compare multiple carriers for you instead of selling one.

Start my quote → or call (813) 291-3484

After the storm

  • Report damage promptly and photograph everything before cleanup.
  • Take reasonable steps to prevent more damage, such as pumping out or covering openings, and keep receipts.
  • Ask about salvage and wreck removal right away if the boat sank or grounded.

What to send for a quote

Year, make, model and length, hull ID, engines, where it's kept, how you use it, your boating experience, and your hurricane plan. We quote boats, center consoles, sportfishing and charter boats, and yachts. Start a quote or call (813) 291-3484.

Frequently asked questions

Do Florida boat policies have a hurricane deductible?

Many do, often a percentage of the insured value. Check your declarations.

Do I need a hurricane plan for boat insurance in Florida?

Some carriers require a written plan, especially for larger boats and yachts. Even when not required, it helps your claim.

Does boat insurance pay to haul my boat before a hurricane?

Some policies share haul-out or relocation costs when a storm threatens. Read the named-storm section.

Is agreed value better than actual cash value?

Agreed value sets the total-loss payout up front, while actual cash value deducts depreciation.

Can Nymble insure a yacht or charter boat?

Yes. We quote personal boats, sportfishing and charter boats, and yachts.

Sources

General information, not legal advice or a coverage determination. Your policy wording controls. Last reviewed 2026-11-13.