Palm Beach Boat Insurance For Hurricane Season

Even though the 2015 Atlantic Hurrican Season doesn't begin until June 1st, it's never too early to think about boat insurance. And waiting for the first first hurricane to begin making its way across the Atlantic is not the time to be running around trying to find a safe place to moor your boat. Ever since Florida faced Hurricane Andrew in 1992, questions have been asked that has tweaked how boat insurance works in hurricane-prone areas. It protects you from personal and property damage to others, as well as to your boat. There are coverage options that guard you against vandalism and theft, offer "waterside" assistance and more.

So why must I buy boat insurance before the start of season? Well technically, you don't - but you'll pay for it. Boat insurance has a number of factors that require a lengthy shopping period and waiting to figure it out last minute will have you writing checks larger than expected.

Boat Insurance Freeze

If the storm's a comin' you better start runnin'. Once a hurricane appears on the radar, almost every insurance agency will put a hurricane freeze on boat coverage. All areas predicted within striking distance will be put on the freeze and insurance cannot be purchased at this time. In other words, you're on your own.

The Named Storm Deductible

The main difference between normal boat insurance and those in hurricane areas is an added deductible appropriately called the Named Storm Deductible. This will be applied in case of a Named Storm and will be applied before paying you off for your boat. These deductibles are typically 10%.

What's Your Hurricane Plan?

Before signing on, an insurance company is going to want to know your plan for your assets during a hurricane. Most South Florida insurance agencies will require you to move your boat to safe waters or secure it safely on land. The more proactive and detailed this plan, the better chance for more coverage. A well-thought out plan can lower your Named Storm Deductible to as low as 3%.

Don't get stuck downstream without a paddle - or an engine - this coming hurricane season. Talk to B&B Insurance Agency in Palm Beach County. Call us for a FREE quote and we'll get your boat insurance properly set up before Hurricane Ana even becomes a blip on the radar.

B&B Insurance is the Key!

Insurance is the key to feeling secure while you’re building your business or expanding your family. B&B Insurance is here is help you make these decisions, and we will always be there for you during your life-long process. Come to B&B Insurance to discover the security you may be looking for. We will not disappoint you, and everything will be covered to your maximum requirements.

When you visit our website, you will find a complete resource for all of your insurance needs. Insurance is crucial to everyone’s success, and you should only be in the best hands. B&B offers everything under one roof, and we will cover you from beginning to end. It’s a great day here at B&B Insurance! Come to our office today in order to secure your future. Call us at 561-586-9043.

Choosing the Right Insurance Company

Choosing the right insurance company is a big decision. Located in Lantana, Florida, B & B Insurance offers all types of insurance policies under one roof. We provide a convenient way to shop for insurance because you can ask us questions about all of your insurance needs. Here in the B & B family, you can manage all of your payments and policies with one company.

Our friendly customer service will greet you with enthusiasm and care. They are available to speak to you around the clock, and their primary concern is to get you in touch with the correct person who can help with your specific needs. Our friendly staff is a well-known characteristic of our company, and we take pride in providing you with the personal attention you deserve.

We’re a privately owned, independent company, and our customers are very important to us. We are looking forward to listening to you and understanding your needs. After presenting you with several options, we will work together to find the insurance policy that’s right for you. Give us a call to explore your insurance options today at 561-586-0029.

Do You Need Separate Boat Insurance?

Across the US, some 80 million people in enjoy recreational boating and Florida leads the nation with almost 1 million registered boats. According to WESH news in Orlando, the top 3 Florida counties with the most boating accidents are Monroe, Miami-Dade and Pinellas County, with Palm Beach County following closely behind. 

Many boat owners mistakenly assume their homeowner’s policy will be sufficient to cover their boat. Homeowner’s policies generally provide very little coverage for boats beyond a small sailboat. Any boat with an engine merits a separate insurance policy designed specifically for the liabilities involved with boating.  A boat insurance policy will cover you if someone is injured on your boat, and will also provide for either replacement cost or cash value in the case of a total loss of your craft. Your boat coverage will likely also provide coverage for bodily injury sustained by others from your boat. It can also include property damage to docks and other boats. Additional coverage available insurances against theft, fire and flood, vandalism, personal property onboard, or even towing coverage either at sea or roadside if required.

We can help you find out if you can save money by a boat policy with your either your home or auto insurance, and find the policy that will suit your boating lifestyle.

Finding the Right Insurance For You

At B & B Insurance our customers are our first priority. We know that some companies make securing insurance for the things and people you love most more difficult than it has to be. We want to simplify the process and help you select the right insurance for you. We are a privately owned, independent insurance company in Lantana, FL. We know that a community is only as strong as its participants. That's why we're committed to serving the families of Lantana and beyond with quality service and genuine insurance guidance. If you're looking for the best insurance options for you we can help. Call to chat with one of our experienced insurance professionals today (561) 586-0029.

Visit Our Online Insurance Resource Hub

Navigate your way through the maze of insurance with our Insurance Resource Hub. A place created specifically to break down the walls of inundated information regarding the most important decisions of your life. Sometimes reading through the fine print can be difficult and that's where we step in.Contact our insurance experts for help with your insurance needs.

A life insurance policy protects your family financially if you or your spouse dies. Insurance companies understand that life is constantly changing, so there are a variety of life insurance policies to meet your changing needs. Because many families depend on two incomes just to make ends meet, insurance companies offer policies that can insure more than one person, protecting the total family income.

— Insurance Resources

Is Your Boat Covered?

Summer is quickly approaching and with it comes the perfect weather for boating! Be sure your boat is covered! Our experience as a boat and watercraft insurance company allows us to provide the knowledge, expertise, and personal service you would expect from an industry leader. Our insurance specialists will help you select an insurance plan that best fits your requirements.