What If A Storm Damages My Boat While It Is Docked?

Storms can roll through Hampton Roads quickly, and even a boat that's safely tied to the dock can be vulnerable to damage...

Storm Damage at the Dock

A docked boat can still be exposed to strong winds and rough water. Depending on the storm, your boat could sustain damage while remaining secured at the marina or dock. That’s why it’s important to understand what protection your policy provides when your boat isn’t in use.

Check Your Hull and Equipment Coverage

If included in your policy, hull and equipment coverage may help pay for covered weather-related damage to your boat and certain equipment. Coverage varies by policy, so reviewing exactly what is included can help prevent surprises later.

Liability Coverage Isn’t the Same

Liability coverage generally focuses on damage or injuries you may be responsible for causing to others. It typically isn’t the coverage used to repair physical damage to your own boat. If you want protection for your boat itself, review your policy to see what physical damage coverage you have.

Know Your Deductible Before a Storm

Don’t wait until you need to make a claim to find out what your deductible is. Take a few minutes to review your policy, including your storm coverage, limits, exclusions, and deductible. 

Not sure what your boat insurance includes? Your local GEICO Hampton Roads office can help you review your coverage and better understand your options.