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Hurricane clause, in the boat insurance glossary

Boat insurance term, area: Contract

A hurricane clause narrows hull protection during the tropical storm season. Three forms are common. The boat must be outside a named band of latitudes between June and November, or a far higher deductible applies inside that band, or the owner has to show a storm plan: a hurricane hole, a cradle ashore, a booked lift out. Example: a yacht on a mooring in the eastern Caribbean in August ends up on the beach. The cruising area on the schedule is correct, and the clause can still cut the settlement to nothing.

What to check: Two questions for the schedule at home: does it name a storm season, a band of latitudes or a date range in which the protection changes, and does a separate deductible apply there? And what has to happen to the boat once a named storm is forecast?

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