Mariners Insurance: many Florida boat policies carry tougher terms or higher deductibles

Mariners Insurance, a boat insurer that sells the policies it discusses, said in a June 24, 2025 article that many Florida boat policies come with tougher terms or higher deductibles for named-storm damage. The article gives no figure and does not say how the terms differ between policies.

It adds that some insurers may insist an owner move a boat out of designated high-risk areas during hurricane season. It also lists haul-out reimbursement, which helps cover the cost of taking a boat out of the water ahead of a storm.

For preparation, Mariners Insurance suggests reviewing the policy before the season starts and photographing the vessel thoroughly. After a storm, it says repairs should wait until the insurer has inspected or approved cleanup, and it warns that claims can move slowly after major storms. The article ends with a pitch for Mariners coverage.