Does homeowners cover my boat at the dock?

Only up to $1,500–$2,500 sub-limit, typically excluding wind — a standalone boat policy is essential.

Named storm forecast?

Does Boat Insurance Cover Hurricane Damage? (US)

Yes if you followed your named storm haul-out plan. Skip it and the insurer denies. Named storm deductibles apply.

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The short answer

Boat and yacht policies cover named storm damage, but most contain a Hurricane Preparedness Plan requiring haul-out, indoor storage, or specific tie-down when NOAA issues a named storm watch. Failing to follow it voids the claim. Named storm deductibles (1–10% of hull value) usually apply.

Frequently asked

Does homeowners cover my boat at the dock?: Only up to $1,500–$2,500 sub-limit, typically excluding wind — a standalone boat policy is essential.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription