[camaraderie]

Each company sets their own "box" latitudes and longitudes. There is NO single box.
Example...Blue Water Insurance sets theirs at:
A fundamental concept if safe cruising is to stay out of the hurricane zone during the hurricane season (between 12 degrees 40 minutes N LAT to 23 degrees 30 minutes N LAT while between 55 degrees W LON and 85 degrees W LON July 1 to Nov 1.

This box extends from St. Vincent to Nicaragua in the south...to the tropic of cancer in the north (bisecting he Bahamas, the Florida strait and just north of the Yucatan) and is bounded on the east by exluding all of the Caribe Islands by about 50 miles and on the west excluding all of the western caribe.

This is an attractively SMALL box as Grenada is not excluded nor is Florida or the Bahamas. Many policies will exclude anything south of the Chesapeake.
DO NOT mistake this explanation as an endorsement for Blue Water Insurance. I do NOT use them or endorse them...just found the information convenient. The test of any insurance company is how they pay when you need them...not where they draw their box.