With recent hurricanes causing massive devastation to boats, many boaters are now questioning: does boat insurance cover hurricane damage? In today’s blog, we provide an answer. Keep reading to learn more.
Boat Insurance: The Basics
Boat insurance coverage typically varies from one policy to another, so it is crucial to understand what’s included in your policy. In general, there are two types of coverage: comprehensive and liability.
Comprehensive coverage protects against damages caused by events beyond your control, like hurricanes, while liability coverage protects you if you collide with other boats or damage someone’s property. With this in mind, your boat insurance policy may or may not cover hurricane damage, depending on the coverage you have purchased.
Does Boat Insurance Cover Hurricane Damage?
In general, your insurer may pay for hurricane damage caused to your boat by wind and hail. However, we encourage you to check your policy and read the specific terms of your coverage.
For example, if you live in a high-risk area, your insurer may require you to purchase additional coverage, or they may exclude hurricane damage from the policy altogether. If this is the case, you can still protect yourself and your boat by purchasing a separate policy that provides coverage for damages caused by named storms.
To learn more about boat insurance, be sure to read our previous blogs, “Do You Need Insurance When Your Boat Is in Storage?” and “Is Boat Insurance Required in California?”
Wrapping It Up
In summary, many boat insurance policies will cover hurricane damage. However, this depends on the coverage you have purchased and the insurance provider you choose.
It’s important to read your policy carefully and understand what it covers and what it doesn’t. If you’re uncertain about your coverage, talk to your insurance agent or broker to ensure you have adequate protection. Safeguarding your boat against potential hurricane damage is crucial, but with the right insurance policy, you can enjoy boating with peace of mind!
Delgado’s Insurance: Dependable Insurance in California
If you need dependable and affordable insurance in the Golden State, look no further than Delgado’s Insurance.
We have locations in Riverside, California, and Bloomington, California. Get in touch today by telephone (951-361-0084, 909-421-9003), email (mail@delgadosinsurance.com), or through our social media accounts (Facebook, Twitter)!
