Marine insurance can cover hurricane damage, but the terms depend on the policy type and the location. Property policies on docks and marina buildings and hull policies on vessels each treat wind, storm surge, and flood differently, and named-storm losses are often subject to their own deductible or limit.
What to check before storm season:
Named-storm deductible. Many policies apply a percentage of insured value rather than a flat amount, which can be a large out-of-pocket figure on high-value property.
Flood and storm surge. Wind and water damage may be covered under different terms, and flood is frequently sublimited or excluded.
Hurricane plan requirements. Some hull policies require a vessel to be hauled out or moved to a designated area when a storm warning is issued, and coverage can be affected if the plan is not followed.
Docks and piers. Overwater structures are often limited or excluded unless scheduled, so confirm they appear on the policy.
Debris and wreck removal. After a storm, removing sunken vessels and debris can be costly and may be sublimited.
How Liberty structures your protection: We review named-storm terms location by location, schedule overwater structures explicitly, and put your hurricane plan requirements in writing before the season starts, so the plan and the policy match.