Florida Homeowner Insurance Company East

Triton Survey: Hurricane insurance

After Hurricane Irene wreaked havoc on the northeast, so much so that the Erie Canal looks now to be out of commission for not only the remainder of this season but next season as well, we wondered what sort of hurricane provisions yachts operate under. 

In recent years, as weather patterns have changed, hurricanes hit in many latitudes. But insurance has traditionally found certain areas in the southeastern United States and along the Gulf Coast to be more susceptible and thus charge a higher premium.

But as Irene showed, even being far inland doesn’t protect vessels from hurricanes and possible damage.

So this month’s survey asked yacht captains about the insurance policies that drive so much of what they do in yachting, particularly hurricane insurance.

We started with the yacht’s basic cruising area. Does the yacht visit areas that, at some point of the year, have a storm season?

Most of our 64 respondents this month -- nearly 97 percent -- do travel to hurricane- or cyclone-prone areas. 

A large portion, 82.5 percent, do so even during storm season.

Just 14.3 percent don’t visit the areas during storm season.

And just 3.2 percent don’t enter storm areas ever.

And we wanted to know about the yacht insurance’s basic tenets. Does the yacht's insurance require the yacht to be outside of a storm box (a certain latitude) by a certain date?

The answer to this question was surprising. Most -- 65.6 percent -- do not have a storm box outside of which they must remain. 

“We submitted a hurricane plan to the insurance company several years ago detailing the location and steps we would take to protect the boat,” said the captain of a yacht 100-120 feet in the industry more than 15 years. “As a result we have no limitation within the U.S. East Coast (Florida to Maine) as to time of year or itinerary.

Cape Coral FL Insurance | InsuranceCoverage.ME - An Insurance ...

See below for insurance brokers in Cape Coral, FL.

Barton Ins. & Financial Services started doing business in 1983.  They can help clients that speak Spanish/Espanol and are affiliated with Safeco, Nationwide, Victoria etc.  They can assist with quotes in Cape Coral on homeowners insurance, umbrella, car, flood, condo, workers compensation, commercial property, general liability, group health and more.  Their contact information is: (239) 542-5300 and 447 Cape Coral Pkwy Cape Coral, Florida 33904. Carlock & Associates Ins. was founded in 1987 and are independent.  This operation works along with carriers: Bankers, Travelers, Progressive, The Hartford plus more.  This broker can help with coverage types in Cape Coral like car insurance, jewelery, homeowners, condo, commercial vehicle, business general liability, international etc.  Call them at (800) 762-1348 or their address is 621 Cape Coral Parkway East, Suite 3 Cape Coral, FL 33904. CCIC is an independent agency and represents companies such as Bristol West, American Integrity, Mendota, United, Progressive, Dairyland, Avatar, Travelers, Citizens and many more.  They can get quotes for auto insurance in Cape Coral FL, homeowners, life, health, flood, motorcycle, boats, renters, condo and more.  CCIC can be phoned at (239) 549-6255 or seen at 1103 Cape Coral Pkwy. E #A Cape Coral ,FL 33904. Culbertson Agency is partnered with providers like Security First, Allstate, Cypress Property and Casualty, United, Saint Johns + more.  They can be reached for quotes in Cape Coral for life insurance, boat, motorcycle, auto, flood etc.  Ring  this agent at (877) 453-8631 or visit them at 13550 Reflections Parkway, Unit 5-502 Fort Myers, Florida 33907. Ted Todd Ins. was created in the year 1986 and currently has more than 5 locations around the state.

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