The Wyatt Dowling way

Does Boat Insurance Cover Severe Weather?

April 21, 2025

Is storm damage covered by boat insurance? Yes, comprehensive boat insurance typically covers damage caused by severe weather.

As always, the specific coverage depends on your boat insurance policy, the extent of the damage, and your coverage limit. Boat owners need to know the details of their boat insurance and what it covers and what it does not cover.

Get a Boat Insurance Quote

Storms and heavy winds

Storms and heavy winds can shake up your boat and cause damage, whether it’s tied to the dock or out on the water. Boat insurance helps protect your boat from this type of weather.

Hail and lightning

Boat insurance typically covers damage caused by hail and lightning. Most policies include "all risk" coverage, meaning that damage from perils not specifically excluded in your boat insurance policy are usually covered. Lightning and hail are common weather-related perils that fall under this coverage.

Hurricanes

Boat insurance typically covers damage from hurricanes, but you’ll need to review your boat insurance policy for details and exclusions.

How does severe weather affect boat insurance?

Weather events can impact your boat insurance and potentially cause higher premiums.

Higher premiums

If you live in an area that can have extreme weather events such as hurricanes, tornadoes, or heavy storms, your boat insurance premiums may be higher. That’s because insurers assess the risk of weather-related damage when determining your rates.

Coverage limitations

Some policies may have specific exclusions or limitations for weather-related damage. It’s essential to review your policy carefully to understand what is and isn’t covered.

Deductibles

In areas with high weather risks, insurers may impose higher deductibles for weather-related claims. This means you’ll need to pay more out-of-pocket before your insurance kicks in.

Preparing for weather events

1. Proper storage: Storing your boat in a secure location, such as a hurricane-rated marina or an indoor facility, can reduce the risk of damage. Ensure your boat is properly anchored or tied down if left in the water.
2. Maintenance: Regular maintenance and inspections can help identify and fix vulnerabilities that weather events might exploit.
3. Weather tracking: Keep an eye on weather forecasts and take proactive measures to protect your boat if severe weather is predicted.
4. Insurance review: Regularly review your insurance policy to ensure it provides adequate coverage for weather-related risks. Consider additional coverage if necessary.

How to file a claim

Documentation: After a severe weather event, document any damage to your boat with photos and detailed notes. This information will be crucial when filing a claim.
Quick reporting: Report the damage to your insurance company as soon as possible. Delays in reporting can complicate the claims process.
Estimates: Get repair estimates from qualified and reputable service providers. Your insurer may require multiple estimates.

Severe weather events can have a significant impact on your boat insurance, affecting everything from premiums and deductibles to coverage limitations.

Final thoughts

Experiencing severe weather can cause damage to your boat and possible injury to you and your passengers. Know the weather forecast before you set out on the water and always have an emergency plan to deal with extreme weather. Remember: Safety first on the water!