Florida is known to be prone to storms and hurricanes. A home insurance policy should include hurricane coverage. It can be a lot of work to find the right insurer, but it's worth it to ensure you have financial protection in the event of a storm.
Best hurricane insurance florida
A few insurers offer special coverage for a range of storm-related issues, including wind damage and flooding. These policies can cost a bit more than a standard homeowners policy, but they're well worth the added expense.
Amica is a large, established and recognizable insurer that offers hurricane-protection in addition to its other home insurance products. J.D. rated it as the best in customer satisfaction. Power in 2022 and is also an A+ rated company with an excellent financial rating from A.M.
Lemonade offers hurricane-related insurance. Its website has a calculator that helps you determine how much you might save on your policy by making certain changes to your home to protect it from hurricane damage.
Florida requires insurers to provide deductible options for hurricane damages of $500, 2.5%, 5.5%, and 10%. You won't receive any payment until you meet the percentage-based deductible.
The deductibles in homeowners insurance can be confusing, especially for people who live in areas prone to tropical storms and hurricanes. However, the good news for most is that they don't need to pay their hurricane-related deductibles before filing a claim.
Allstate, State Farm, and Citizens Property Insurance Corp. are all insurers that specialize in Hurricane Insurance. These companies provide windstorm insurance to many Floridians at low rates.
Amica is a big name in the insurance industry with a long history of providing coverage to Florida residents. A.M. gave it an A+ for financial strength and its excellent customer service.
If you don't have a large enough deductible, you can consider buying an optional supplemental policy. The supplemental coverage will pay for any repairs you need before you are required to pay your hurricane deductible.
The deductible you pay will depend on the policy you purchase and how many storms your house has been hit by in the past. Speak to an agent or ask for an estimate from your insurer if the amount of deductible is unclear.
Insurers also often offer discounts or credits for homeowners who take steps to mitigate against wind damage. These include adding storm shutters, using impact-resistant glass and choosing stronger roofing materials.
Get a quote for free to find the right hurricane coverage. Comparing quotes between insurers will help you find the best price.
Amica Insurance, Kin Insurance, PURE and other insurance companies that specialize in Florida homes have good customer service and are known for it. Also, they offer a hurricane policy that can be combined with flood coverage.