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Hurricane Clouds Viewed from SpaceOwning a boat can be a big responsibility. You need to take steps to minimize risks to your vessel in all situations. When hurricanes or other severe storms are in the forecast, you will likely need to move your boat under cover — if it's possible to do so — in order to minimize the risk of catastrophic damage. However, if losses do occur, your insurance policy may be able to help you get whole again.

Whether or not boat insurance covers hurricanes really depends on the type and amount of your policy. Here are a few things to keep in mind.

What's A Concern For You?

If you live in an area where windstorms, hurricanes, severe thunderstorms, blizzards, ice storms or tornadoes are a significant factor, it is not necessarily a given that your boat insurance covers those losses. In fact, in areas where there is a high risk of significant weather events — including hurricanes — your standard boat insurance policy may exclude damage from those events. Check your policy to see if this is the case.

If your boat insurance policy excludes hurricane coverage, you still have some options. You can often purchase a rider — which is a type of add-on coverage for your boat insurance policy. This can help keep you financially protected from damage caused by significant weather events, such as hurricanes. Work closely with your boat insurance provider to ensure you have the best coverage possible to protect against such events. Do not wait until there is a storm approaching to do so, as most policies need to be in place for at least 30 days before you can file claims against them.

Getting The Right Boat Insurance

Boat insurance policies are designed to reduce your risks. With the right policy in place, you can reduce the chance that you'll have to suffer through the financial loss associated with a hurricane's fury. Talk to your boat insurance provider if you plan to operate your boat in any area where the risks of hurricanes or other severe weather are high — including much of South Carolina. Ensure your policy provides ample coverage.

Are you covered? Call Affordable Insurance Group at (803) 798-4499 for more information on Columbia SC boat insurance.
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