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Marine Insurance House

4110 Doctor Martin Luther King Junior Boulevard
New Bern, NC, 28562
252.201.9101
Insuring commercial and recreational marine risk

A DIVISION OF WADE S. DUNBAR Agency, inc.

Marine Insurance House

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News Blog

Hurricane Season & Summer Boating Safety - Protecting Your Vessel

June 23, 2026 Charles Skinner

June marks the official start of the Atlantic hurricane season, making it one of the most important months for boat owners to prepare for unpredictable weather. While summer is peak boating season, it’s also when storms can develop quickly and without much warning.

1. Understand Your Hurricane Risk Early

Even if a named storm hasn’t formed yet, early-season preparation is critical. Review your location’s exposure and marina evacuation policies now; not when a storm is already approaching.

2. Update Your Hurricane Preparedness Plan

Every boat owner should have a clear storm plan in place, including:

  • Where your boat will be stored or moved during a storm

  • How much advance notice your marina requires for relocation

  • Whether you’ll trailer, haul out, or secure in-water

  • Emergency contact list and marina communication plan

If you wait until a storm is named, options become limited quickly.

3. Double-Check Insurance Coverage for Storm Events

Not all boat insurance policies handle hurricane damage the same way. It’s important to confirm:

  • Named storm deductibles and how they apply

  • Whether haul-out costs are covered before a storm

  • Coverage for sinking, wind damage, and debris impact

  • Restrictions based on marina location or storm warnings

Understanding your policy now prevents confusion during a high-stress situation later.

4. Secure Your Boat Properly

If your boat remains in the water during a storm, proper securing techniques are essential:

  • Double up dock lines and use chafe protection

  • Remove loose items from the deck and cabin

  • Shut off fuel lines and disconnect power where appropriate

  • Check fenders and adjust for rising water levels

If you are hauling out, ensure the facility is experienced in storm storage procedures.

5. Don’t Ignore Summer Storms

Even outside of named hurricanes, summer thunderstorms can be severe. Lightning, high winds, and sudden squalls can develop quickly. Always monitor forecasts before heading out and avoid unnecessary risk when conditions shift.

June is about balance, enjoying the water while staying alert and prepared. With the right planning and coverage in place, you can protect both your vessel and your peace of mind all season long.


Tags marine insurance, marine insurance house, hurricane season, hurricane prep, marina safety, marina coverage
Getting Your Boat Summer Ready - Insurance, Safety, and Seasonal Prep →

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