Yacht Hurricane Insurance in Florida: Deductibles, Haul-Out Plans & Named Storm Coverage

Florida yacht hurricane deductibles run from 2% of hull value (Palm Beach with documented haul-out at Rybovich) to 10% or mandatory northbound relocation (Florida Keys). The deductible applies per named storm — back-to-back storms trigger multiple deductibles. On a $50M yacht, the Palm Beach vs Keys differential is $1.5M per event. This guide covers deductibles by county, approved haul-out yards, named storm trigger criteria, mandatory relocation clauses, and charter operations during hurricane season.