Pay attention to the hurricane
provisions in your policy, because those are going to be important if you are in Florida
and/or the Bahamas
season. And, also your coverage areas.
For Example, we had to add Bahamas
coverage to our policy because we boat
there a lot. Example:
"THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BAHAMAS COVERAGE
Permission is granted for navigation of an “insured boat” in the waters of the Bahamas and the Turks and Caicos, not south of 20.5 degrees North Latitude and not east of 70.5 degrees West Longitude."
"Applicable to Hull and Equipment: For any covered loss due to a "named storm" that occurs while the "insured boat" is located in AL, FL, GA, LA, MS, NC, SC, TX, the Bahamas, the Caribbean or Mexico, the deductible applied to each loss is the greater of the Hull and Equipment deductible, $1000, or 5% of boat's "insured value"."
This is just what our current
policy says. Our old policy, covered everything, with no deductible, except for "The Box", during Hurricane season, which you will see on a lot of Caribbean boat
policies. It cost a lot more.
You can get anything you are willing to pay for, but just make sure you understand what happens if you lose your boat in a hurricane in a particular place in a particular time.