Skip to main content
    B & B Insurance Agency Inc.
    Back to Blog
    Homeowners
    2 min readBy B & B Insurance Agency

    How to Insure a Boat During Hurricane Season When Stored Out of Water

    Storing your boat out of the water for hurricane season doesn't mean you can skip insurance review. Learn what your policy covers on land, what to check before June 1, and how to avoid gaps.

    Navy and white motorboat stored on jack stands in a gravel driveway with bimini top up, palm trees and waterfront home behind it.

    Related coverage: Homeowners Insurance, Boat Insurance

    TL;DR

    A boat stored out of the water, whether on a trailer, in a rack, or shrink-wrapped in your yard, is still covered under most Florida boat policies, but the coverage details change. Before hurricane season starts, confirm your policy's haul-out and storage terms, update your agreed value, and document the boat's condition. Do this before June 1, not during a storm watch.

    Want a second look at your Florida homeowners coverage? Get a free home quote

    What You Need

    • Your current boat insurance policy declarations page
    • The storage location address (marina dry rack, self-storage lot, your property, or a hurricane-rated facility)
    • Photos of the boat, trailer, tie-downs, and any hurricane straps
    • Your trailer's registration and insurance status, if separate from the boat policy
    • A copy of your marina or storage facility's hurricane plan, if applicable
    • Florida's official hurricane season runs June 1 through November 30, so treat late May as your deadline, not a suggestion
    Blue-hulled boat wrapped in white shrink wrap, secured with orange tie-down straps on a triple-axle trailer in a dry storage yard.
    A trailered boat stored out of water with hurricane straps — coverage details shift once your vessel leaves the marina.

    Step 1: Confirm How Your Policy Treats a Boat Out of the Water

    Most Florida boat policies cover the vessel whether it's in the water, on a trailer, or stored on land, but the specific perils and exclusions can shift. A boat in dry storage is generally not exposed to sinking or capsizing, but it is exposed to wind damage, falling trees, storm surge if the storage lot floods, and impact from other debris. Read your policy's

    Want a second look at your Florida homeowners coverage?

    B & B Insurance compares coverage and pricing from multiple carriers, and we know Florida wind and flood rules cold.

    Get a free home quote

    This article is general information, not legal or financial advice. Coverage depends on the terms, conditions, and exclusions of your specific policy, so talk with a licensed insurance agent about your situation.

    Related Coverage from B & B

    Have a question about this topic?

    Our experienced agents are happy to help — no pressure, just straight answers.

    (561) 586-0029Get a Free Quote

    You May Also Like

    Pedestrian in blue shirt and khakis crossing a zebra crosswalk near a stopped dark blue car in a Florida waterfront setting.

    How Personal Injury Protection Works When You're a Pedestrian Hit by a Car in Florida

    If you're hit by a car in Florida, your own auto insurance PIP policy likely covers you even as a pedestrian. This guide walks through how the coverage kicks in, what it pays, the deadlines you cannot miss, and when a driver's bodily injury liability matters too.

    Man on boat holds tow rope connected to smaller motorboat being towed on a Florida waterway at sunset.

    When Does a Florida Boat Policy Cover Towing and Assistance at Sea?

    On-water towing and assistance coverage is not automatic on every Florida boat policy. Whether you're covered depends on the endorsements you've selected, your policy's towing sublimit, and who performs the service. Here's how to figure out where you stand before you're adrift.

    Coastal condo living room with marina view, house keys on coffee table, navy throw pillow, mug, and succulents on tray.

    4 Differences Between a Renters Policy and a Condo Unit Owners Policy in Florida

    A renters policy and a condo unit owners policy look similar on the surface, but they cover very different risks. Here are four concrete differences Florida residents should understand before choosing or switching coverage.

    Navy blue Mercedes Sprinter commercial van parked on a Florida waterfront street with palm trees, luxury homes, and yacht.

    5 Coverage Questions to Answer Before Insuring a Commercial Vehicle in Florida

    Insuring a commercial vehicle in Florida involves more than picking a liability limit. Answer these five questions first to make sure your policy matches how the vehicle is actually used, who drives it, and what the state requires of your business.

    View All Posts
    Call NowGet Quote