Birth Injury Attorney
Contact us today

Hurricane Boat Insurance

Hurricane Boat Insurance

five stars
1492 reviews
Contact us today
  • $13 Billion+ Won
  • 800+ Lawyers Nationwide
  • The Fee is FreeTM, Only Pay If We Win
  • America’s Largest Injury Law Firm
  • Protecting Families Since 1988
Hurricane Boat Insurance

If you own a boat and live in an area that’s prone to hurricanes, you may be wondering if your boat insurance covers the wind and water damage caused by these powerful storms. Unfortunately, it’s not always clear which types of losses are covered under a given plan — and insurance companies may use this confusion to their advantage.

Keep reading to learn more about how boat insurance can work for you after a storm, and what you should do if an insurance company fails to hold up their end of the bargain.

How Much Does Boat Insurance Cost?

The cost of boat insurance varies depending on where you live, as well as the size and value of your boat. For example, insuring a yacht will cost a lot more than insuring a small fishing boat.

The annual cost can range from under $200 to over $1,000 per year. For at least one insurance company, Florida had the highest average annual rate in 2017, at $495, while Wisconsin had the lowest, at $188.

Do Any States Require Boat Insurance?

Yes. In Arkansas, Hawaii, and Utah, you must purchase boat insurance if you own a boat.

When Should I Buy Boat Insurance?

For most boat insurance policies, to be reimbursed for damage that occurred during a hurricane, you must have purchased the policy at least 30 days prior to the storm. This is to prevent last-minute buys that occur after a storm is already on its way.

If you think there is a sizable risk of your boat being totaled by a tropical storm, it’s probably worth buying comprehensive boat insurance early on. As long as the damage is caused by a hurricane, and you purchased the insurance well in advance of a storm warning being issued, the losses should be covered (after you hit your deductible).

As with most insurance policies, though, getting reimbursed can be trickier than you’d hope.

What Should I Do if My Insurance Company Won’t Pay?

If an insurance company has denied, delayed, or underpaid your hurricane damage claim, you should speak with an attorney as soon as possible. Having a hurricane claim lawyer in your corner can mean the difference between financial ruin and a speedy recovery. Even if the insurance company said “No,” you may still be able to recover the money you need to fix your boat and get back out on the water.

Morgan & Morgan has attorneys nationwide with the experience, reputation, and resources necessary to take on Big Insurance. Over the past 30 years, we’ve recovered more than $9 billion and become America’s largest personal injury law firm. Best of all, it costs nothing up front to hire us, and we get paid only if you win.

To see if we can help you, fill out a case review form for a free, no-obligation case evaluation.

Free Case Evaluation
Tell us about your situation so we can get started fighting for you. We tailor each case to meet our clients' needs.

By submitting you agree to our Terms & Privacy Policy.

FAQ

Hurricane Boat Insurance FAQs

  • Does Boat Insurance Cover Hurricane Damage?

    Many boat insurance policies do include coverage for wind and flood damage, the two main components of hurricane damage. That said, in areas that are at a higher risk of hurricanes, insurance policies are less likely to offer reimbursement for these losses. Why? Because insurance companies want to make money, and paying for everyone’s hurricane damage in a hurricane-prone area is not a great way to do it.

    If your area is vulnerable to tropical storms, it’s absolutely essential that you check your policy to see what it does and does not cover. Speak with an agent if necessary. If wind and flood damage aren’t part of your policy, you most likely can purchase a rider that covers them.

    Some insurance companies also offer an option to reimburse you for some of the cost of towing your boat away from an area before it’s hit by a storm. These policies may also compensate you for some of the cost of strapping your boat down, or relaunching it after the storm.

    Make sure you have a policy that safeguards your boat in the event of a catastrophe, and always have a plan in place for what you’re going to do if/when a hurricane strikes.

Hear From Our Clients

We’ve helped over 300,000 families.
See what they have to say.

Marlon B.
Auto Accident
5 stars

Our Personal Injury Lawyers
Have Over 28,000
5-Star Google Logo Reviews

Jerri
Unbelievably organized, responsive and probably the most effective process-oriented group of people I've ever seen. Their preparation for mediation and trial is beyond comprehensive. Across two cases and 3 years, not once did anything fall between the cracks. Everyone I came into contact with exemplifies professionalism; they quickly resolved insurance issues and spent time educating me about everything affecting my cases.
Georgia J.
General Injury
Rupdai
It has been an amazing experience with your law firm. I will be happy to refer any of my family and friends to your law firm. I am very thankful to Sabrina Thornburg and Andrew Felix for everything that they have done on my case. Sabrina kept in touch with me to let me know how everything was going and I am very happy with the service that she and Andrew provided. Your slogan really is true, you are for the people. Thank you.
Antonia C.
Slip and Fall
Alejandro
I was very happy with the communication between the legal counsel and myself. If I had any questions I could leave it if not directly and I would have an answer within 24 hours by either email or a courtesy phone call. Also, the quick resolution of the matter was something I appreciate very much. Needless to say the result was more than expected.
Todd E.
Homeowners Insurance
Jasmine
I originally hired a different law firm after being involved in a multi-car accident on the interstate, but after a few conversations, arguments, and showing me other cases were more important than mine, I called and hired Morgan & Morgan! That was one of the best decisions I've made as an adult! Not only have they been in contact with me, but they listened and found mistakes in the crash report that the officer didn't want to admit to! I'm beyond thankful!
See More

The Fee is FreeTM Only Pay If We Win.

1

Free case evaluation icon

Submit a Free Case Evaluation

You can find out if you qualify immediately.

2

Incoming icon

Get a Call From Us

Our specialists will walk you through your case and collect all the right information to win your case.

3

Woman with computer icon

Let Us Get to Work

Our specialized attorneys will handle every step of your case from start to finish. You don’t pay until we win.

Call Us Now

See Our Nationwide Results

We’ve won over $13 Billion for our clients in cases of all types. Let us work hard for you.

Car icon
$120,000,000
Car Accident
Medical Malpractice icon
$28,450,105
Medical Malpractice
Clock and money icon
$820,000
Unpaid Overtime
Tobacco icon
$91,000,000
Tobacco
Slip & Fall icon
$3,140,804
Slip & Fall
Premises Liability icon
$8,800,000
Premises Liability
Social Security icon
$1,331,245
Social Security
Civil Rights icon
$1,800,000
Civil Rights