Boats offer a wealth of relaxation and fun on the water, from fishing to sunbathing. However, many boats are also situated in areas prone to hurricanes. Hurricanes and damage are often synonymous. For instance, hurricanes are known for strong winds that can hurl trees into your boat, resulting in thousands of dollars in damage. So, does boat insurance cover hurricane damage?

Policy Coverage

Boat insurance companies typically offer different levels of coverage, similar to auto insurance companies. Liability insurance usually covers nothing except another person’s property or medical bills. However, most companies offer comprehensive coverage, which is known to cover storm damage. Constantly scrutinize the fine print on your policy to ensure it covers hurricane damage.

Specific Exclusions

Many boat insurance companies in Birmingham, MI, have specific policies or exclusions regarding hurricanes. For example, a company may provide coverage for "named hurricanes," which means the National Weather Service has named the storm. Others may specifically exclude hurricanes or have geographical exclusions. Always contact an agent at High Favor Insurance to ensure your boat will be covered if you live in a hurricane-prone area.

Comprehensive Coverage

Individuals living in hurricane-prone areas should opt for comprehensive coverage. This coverage usually covers rain, wind, hail, flying debris, flooding, and storm surge damage. Boats along the coastline can suffer damage from a hurricane even if the area only experiences severe winds and the hurricane doesn’t make landfall.

At High Favor Insurance, we understand the importance of ensuring that your insurance policy covers boat damage. Our experienced customer service agents will work with you to explain deductibles, damage limits, and policy limitations to get you the coverage you need. We’re currently serving the Birmingham, MI area.