Named Storm Deductibles Florida

Hurricane Deductibles for Florida Owners

Last updated: February 23, 2026

Named Storm Deductibles in Florida\n\nPercentage-based deductibles for hurricane damage.\n\n### Example Calculation\n- Yacht Value: $400,000\n- Deductible: 5%\n- Your Cost: $20,000\n\n### Typical Ranges\n- South Florida: 5-10%\n- Central Florida: 3-5%\n- North Florida: 2-5%\n\n### Reducing Exposure\n- Buydown options\n- Hurricane preparedness\n- Inland storage

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Geographic and Seasonal Restrictions

Return to our main Yacht Insurance Guide for a complete overview of coverage types, policy structures, and what to ask your broker.