thank you both for your great advice....I will certainly check out that thread this weekend. (I really don't need much convincing based upon what I've already heard here, but it'll be a great escape to read all the stories.)
My biggest issue re: hurricanes is not so much disruption to cruise itself: I'm in South Fla - hurricane alley. So if one were headed our way the same day or week as our departure, I'd have no choice but to cancel out, as I have pets, my husband has elderly parents he'd need to help, etc. I've heard stories of people escaping the storm by leaving town, only to come back to a bigger mess that was made much worse when a roof leak or busted window turned into major disaster with no one to take care of it. So hoping to find a travel insurance policy that might cover canceling due to this type of event.