Not sure just what you are asking.
policies don't prevent you from sailing anywhere, they just don't cover you if you go South of about the Georgia
line. In reality boats are probably safer in the St. Johns River hurricane
holes or on the hard
in that area than coastal Georgia
And lets not forget Sandy was one of the most expensive storms ever because it hit the NY/NJ area where hurricanes are not expected so few folks have experience preparing for them.
If you want to sail South any time of year there is nothing stopping you from doing it. If you want advice
about the wisdom of doing it you will get lots of conflicting answers. If you want advice
about the best routes, marinas
, places to dock
, and the like you need to be more specific about the size of your boat
If I recall
the worst place to be in frequency of hurricanes making a landfall is the North Carolina
Coast, next was the Abacos. But folks stay in those areas year round.
You pay your money
and you take your chances.