What Every Florida Boater Needs to Know Before the Next Storm
As hurricane season rolls into Florida, one of the top questions we hear at Barefoot Insurance Brokers is:
“Can I insure my boat for hurricane damage?”
The short answer? Yes—but timing is everything.
Boat insurance in Florida can include hurricane and named-storm coverage, but most carriers place binding restrictions once a storm is approaching. That means once a system is named or enters the forecast cone, it’s too late to get or change your coverage.
🌪️ What Does Hurricane Coverage Include?
When you add hurricane coverage to your Florida boat policy, you may be protected from:
- Wind and wave damage caused by named tropical storms or hurricanes
- Damage from storm surge or flooding (depending on policy type)
- Cost to salvage or remove your boat after a storm
- Emergency haul-out or storage reimbursement to protect your vessel before landfall
Policies differ by insurer, but we work with top marine carriers like Progressive, Ahoy!, GEICO, and American Integrity to find options that best suit your location, boat type, and storage method.
⚠️ Don’t Wait for a Storm to Get Coverage
Insurance companies shut down new policies or coverage changes when a storm is near. That means if you wait until a storm is already on the radar—you’re out of luck.
At Barefoot Insurance Brokers, we strongly recommend Florida boaters lock in coverage well before June 1st or at least early in the season. We’ll help you understand named-storm exclusions and how to protect your investment year-round.
🌴 Serving Coastal Brevard County Boaters
We proudly serve Florida’s boating community in Brevard County, including these five most populated coastal regions:
| City | ZIP Codes |
|---|---|
| Palm Bay | 32905, 32907, 32909 |
| Melbourne | 32901, 32935, 32940 |
| Cocoa Beach | 32931 |
| Titusville | 32780, 32796 |
| Satellite Beach | 32937 |
From riverfront docks to Atlantic marina slips, we help Space Coast boaters secure peace of mind with the right coverage at the right price.
💰 Affordable Boat Insurance Starting at Just $75/Year
Through Progressive, some annual marine insurance policies start at just $75! Rates depend on:
- Boat size, age, and type
- Storage location (marina, trailer, lift, or dry dock)
- Use (pleasure, fishing, or charter)
- Brevard County zip code
- Desired coverages (including named-storm protection)
We shop multiple top-rated boat insurance carriers to help you compare rates and coverage fast.
📞 Call or Email Zack Epstein for a Quote
Need expert guidance on Florida marine insurance and hurricane coverage?
Zack Epstein is here to help you sail through it.
📧 Email: zack@barefootins.com
📞 Call/Text: 754-229-9116
🌐 Visit: www.barefootins.com
Don’t risk losing your boat—or your savings—this storm season. Get covered today, before the next named storm appears on the radar.