Not sure just what you are asking.
Insurance 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 and
budget.
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.