Boat Insurance and Hurricane Season

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Boat Insurance and Hurricane Season

Considering boat insurance during hurricane season is essential. Owning a boat can mean a lot of lazy days on the water, jetting around, fishing, and having a fun time. Unfortunately, boating isn’t always all fun and games. With hurricane season here, you should also consider boat insurance that will protect you from tragic and uncontrollable accidents. You may not be able to save your boat, but you could keep yourself from taking a hit financially if your boat is damaged by a storm.

If you live in an area where hurricanes, severe thunderstorms, or tornados are a significant factor, don’t assume that your boat insurance covers those losses. In areas where there is a high risk of significant weather events, your standard boat insurance policy may exclude damage from weather-related incidents. That’s why it is essential to check for boat insurance during hurricane season or even before.

You still have some options for your boat insurance policy if it excludes hurricane coverage. You can purchase a rider, which is a type of add-on coverage for your boat insurance policy. You don’t want to be caught without boat insurance during hurricane season, so you should work closely with your provider to ensure you have the best coverage possible to protect yourself. Do not wait until there are threats of a storm to check your policy, as most policies need to be in place for at least 30 days before you can file claims against them.

Along with insurance, you should consider other ways to protect your boat in a storm. Start by making sure your boat is docked and secure. If you know a storm is coming, make sure to moor it strongly and make sure you don’t leave anything on the boat that could cause additional damage.

Protecting your boat is important, which is why it’s good to check your boat insurance during hurricane season. If you have any questions or concerns about your boat insurance policy contact us today!

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Melinda Martin

Account Executive

Melinda began her insurance career in 1985 with Alexander & Alexander where she received her Property & Casualty and Life & Health license. Since then she has worked at various agencies in the New Orleans area and in California as a senior account manager for Employee Benefit Plans.  While in California, she was also the Membership Director for the Burbank Chamber of Commerce. Melinda joined the AWS team in July of 2015.

Michael A. Seeling

Vice President

Graduated from the University of Louisiana at Lafayette with a B.A. in Insurance Risk Management and is a graduate of Archbishop Rummel High School in New Orleans. He joined AWS in October of 2008 and has been awarded the Patient Protection and Affordable Care Act Certification (PPACA). Additionally, he is working towards his Certified Insurance Counselor (CIC), Registered Health Underwriter (RHU), and Registered Employee Benefits Consultant (REBC) designations. He is also a member of the National Association of Health Underwriters (NAHU), National Association of Insurance Financial Advisors (NAIFA), and is an active member of the Fore!Kids foundation.