What to Know About Hurricanes and Boat Insurance Coverage


From falling trees to flooding risks and severe rainfall, boat owners are vulnerable to serious damage in a storm. So, how can you best protect yourself?

Learn more about the current hurricane season and how you can get the right coverage to stay protected during this time. 

2022 Hurricane Season Updates 

The 2021 Atlantic hurricane season is well underway, as it runs from June 1st to November 30th. Atmospheric and oceanic conditions suggest an above-average season with a total of 15-21 expected named storms.  This includes 7-10 hurricanes, of which 3-5 could become a Category 3, 4, or 5. 

  • Category 3 Hurricane: winds range from 111- 129 mph; high risk of falling debris. 
  • Category 4 Hurricane: winds range from 130- 156 mph; very high-risk falling debris and boats may see significant damage if exposed.
  • Category 5 Hurricane: winds are 157 mph or higher; catastrophic damage can occur. 

» MORE: A Guide on Named Storms

This year has already been an active season and there are no signs it will slow down. Current conditions suggest increased hurricane activity as we enter the peak months. 

Now is the time for you to ensure preparations are in place. These storms can be devastating, making it vitally important to prepare for all possible outcomes. Stay tuned to the forecast and follow all safety information issued by emergency officials. 

Hurricane and Named Storm FAQs

What is a hurricane?

A hurricane is a type of storm that forms over tropical or subtropical waters. When a storm's maximum sustained winds reach 74 mph, it is called a hurricane. 

Where do hurricanes originate? 

Hurricanes originate in the Atlantic basin. This includes the Atlantic Ocean, Caribbean Sea, and the Gulf of Mexico, the eastern North Pacific Ocean, and, less frequently, the central North Pacific Ocean. 

How are hurricanes categorized?

A hurricane’s assigned category is based on The Saffir-Simpson Hurricane Wind Scale, or its maximum sustained winds. The higher the category, the greater the hurricane's potential for property damage.

How are hurricanes named?

There is a six-year rotating list of names that are used to identify these storms. This list is updated and maintained by the World Meteorological Organization.

When is hurricane season?

Hurricane Season begins on June 1 and ends on November 30. However, hurricanes can and have occurred outside of this period. 

Boat Insurance Coverage For Hurricanes and Named Storms  

Boat insurance can provide coverage for storm damage and limit exposure to the risks of these weather-related events. 

» MORE: Does Boat Insurance Cover Storm Damage

Your policy may help pay to repair or replace your boat if it’s damaged during a named storm.  Consult your policy’s terms and conditions for full details. Coverage may also extend to:

  • Lightning
  • Hail
  • Windstorms
  • Floods

What Does Named Storm Boat Insurance Cover? 

Named Storm Hurricane Coverage typically protects against different losses that can arise from such events. This coverage is especially valuable in coastal areas and can include:

  • Named Storm Insurance: A standard boat insurance policy that includes Named Storm Insurance will provide coverage for damage to your boat caused by a tropical depression, storm, or hurricane named by the National Weather Service.

» MORE: Understanding Named Storm Hurricane Coverage 

  • Flood Coverage: This provides coverage for inland flood damage, storm surge, heavy rain, and other flood-related conditions that may arise from a Named Storm. (Flood Coverage differs from Named Storm Insurance. Flood Coverage protects you from damage caused by flooding, while Named Storm Coverage protects you from the damage caused by a Named Storm). 
  • Wind and Hail Coverage: Covers repair costs if your boat’s structure and personal equipment sustain damage from strong winds or hail. This may be a byproduct of a hurricane or other named storm, as well as from a tornado, or winter storm. 

Can You Buy Named Storm Insurance at the Last Minute? 

Unfortunately, this type of coverage is typically not available for a named storm once the National Weather Service has already issued a warning regarding the storm.

It’s best not to leave insurance at the bottom of your to-do list. You may not be able to get coverage at the last minute, as is the case with Named Storm Insurance. 

Get Named Storm Coverage With SkiSafe

At SkiSafe, we offer boat insurance policies that are designed to reduce your level of exposure from various perils. This can include coverage for named storms and hurricanes. We can help you select a policy that reduces the risks associated with boat ownership, which can include hurricanes and other named storms. 

We make it simple to review your policy directly on our website. You can change or add coverage in a matter of minutes. You can also reach out to your local broker or speak to a SkiSafe underwriter. 

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