Every Louisiana boat owner knows the routine when a storm enters the Gulf: watch the forecast, call the marina, and figure out how to get the boat somewhere safer. Moving or securing a boat on short notice takes time and money. Some boat policies include coverage that helps with those costs.
Your Haul-Out Coverage Questions, Answered
What is hurricane haul-out coverage?
Often called named storm haul-out coverage, it can reimburse part of the cost to haul out, move, or secure a boat when a named storm threatens your area. It’s typically included on some boat and yacht policies, offered as an option on others, and not available on every policy.
When does it usually apply?
Many policies require a hurricane watch or warning for your area before the coverage applies. Some require a professional hauling service.
How much does it pay?
Policies commonly reimburse a portion of eligible costs, up to a set limit. The details vary, so check your policy’s terms before storm season.
Does having a hurricane plan matter?
It can. Some insurers ask boat owners, especially those in coastal areas, to have a written plan for securing the boat. Following that plan may affect how certain storm-related claims and deductibles are handled.
What about my marina?
Many marina contracts require owners to remove or secure boats when a storm approaches and limit the marina’s responsibility for storm damage. Read your slip agreement closely.
Planning Before the Next Season
- Ask whether your policy includes haul-out coverage and what triggers it
- Line up a hauling service or storage spot well before a storm threatens
- Keep your trailer, tires, and tie-downs in good working order
- Save receipts for any haul-out or storage expenses
With hurricane season ending November 30, the off-season is a good time to review your coverage and plan. Hughes Insurance Services in Gonzales, LA can review your boat insurance and hurricane coverage options. Policy terms vary. Boaters across Gonzales, LA and Ascension Parish can reach out to Hughes Insurance Services or browse our insurance blog.
