If the max wind component from a gust exceeds the aircrafts cross-winds limit. i.e. RW18 09015G25 and crosswind limit=17kts then you may find you insurance will not cover you.
At my school if the tower reports wind such as this on final then we must go around and try again until the wind drops or we divert. Sure, we could land in those conditions, but if the unlikely happened then the school/instructor is left to pay for the damage. As the RT at major fields is recorded the nice insurance men will be checking that before even looking at the aircraft.