Hurricane Season Boat Insurance & Safety Preparation Guide

Hurricane Season Boat Insurance & Safety Preparation Guide

As we enter hurricane season, it’s essential for all boat owners to take proactive steps to protect their vessels — both physically and financially.

If you have not yet secured a full coverage policy, now is the time to act. It's important to understand that liability-only insurance does not cover hurricane-related damage — neither to your own vessel nor to third-party property. This type of protection is available only through a comprehensive (full coverage) policy.

 

In addition to insurance, we encourage you to review the following general preparedness guidelines:


 1. Have a Hurricane Plan in Place

  1. Decide in advance whether you’ll relocate, haul out, or secure in slip.
  2. Know your marina’s storm procedures and evacuation protocols.
  3. Keep insurance information and marina contact details accessible.


2. Inspect Your Mooring & Dock Lines

  1. Use extra, oversized dock lines — hurricanes bring surge and strain.
  2. Add chafe protection where lines contact cleats, chocks, or edges.
  3. Tie the boat with a spider web pattern to allow for movement with surge.


3. Check Fenders and Fender Boards

  1. Use multiple fenders, and consider fender boards if your boat may rub against pilings.
  2. Make sure they’re properly positioned and tied securely.


4. Remove Loose Items

  1. Clear the deck: remove cushions, canvas, sails, dinghies, biminis, antennas, and electronics.
  2. Secure or stow anything that can fly or tear off — these can cause damage or become hazards.


5. Disconnect Shore Power

  1. Unplug shore power to prevent electrical hazards.
  2. Shut down and secure all batteries and fuel lines.


6. Inspect Bilge and Pumps

  1. Ensure bilge pumps are fully operational and batteries fully charged.
  2. Test automatic bilge pump, and clear debris from bilge areas.


7. Haul Out If Advised or Possible

  1. If your boat is trailerable or your marina offers a haul-out service, consider hauling out early.
  2. Boats on land are often safer than those in the water during hurricanes — if jack stands are properly braced and securely and anchored to the ground.


8. Document Everything

  1. Take photos of your boat before and after storm prep.
  2. Keep receipts for storm-related expenses (some may be reimbursable by insurance).


9. Stay Informed

  1. Monitor storm forecasts (NOAA, Weather Channel, windy, local advisories).
  2. Be ready to act quickly — hurricanes can change course or intensity rapidly.


We offer comprehensive boat insurance and marine insurance solutions.


To contract full coverage quote directly through our website here.

Or if you prefer, please contact our marine department:


Pablo Castellanos 

322 297 6440 ext 104

boat@novamar.net


Important Note:

The information provided here is intended for general awareness and aims to support a better understanding of applicable safety standards. It is not a substitute for professional guidance, as each situation should be evaluated in accordance with the specific regulations of your marina. If you have filed a Storm Plan with your insurance company, it is important to make sure you execute the plan to avoid an uncovered loss.

If you have questions about how these standards may apply to your vessel or marina operations, we recommend consulting your Marina Manager, a qualified expert, or your yacht insurance agent.