Florida is one of the states that are prone hurricanes. Therefore, it's important to have a home policy with hurricane coverage. The search for the best insurer can be time-consuming, but is well worth the effort to make sure you are financially protected in the event of an emergency.
Best hurricane insurance florida
Several insurers offer coverage that is specific to storm-related events, including flooding and wind damage. These policies can cost a bit more than a standard homeowners policy, but they're well worth the added expense.
Amica, a well-known and established insurer, offers protection against hurricanes in addition to other products for home insurance. J.D. has given it top marks in customer satisfaction. Power in 2022, and also has an A+ rating with an excellent financial score from A.M.
Lemonade is another up-and-coming online insurance provider that provides hurricane-related coverage. The calculator on its website will help you calculate how much money you could potentially save by making changes to your house to protect it against hurricane damage.
The state of Florida requires that home insurers offer deductible options of $500, 2%, 5% and 10% for hurricane damages. If you have a percentage based deductible, your insurer will not pay you any money until the deductible is met.
Deductibles can be a confusing part of homeowners insurance, especially for those who live in an area prone to hurricanes and tropical storms. But the good news is that most people don't have to pay their hurricane deductibles until they file a claim for damage.
Allstate, State Farm, and Citizens Property Insurance Corp. are all insurers that specialize in Hurricane Insurance. These companies offer low-cost windstorm insurance for many Floridians.
Amica is a big name in the insurance industry with a long history of providing coverage to Florida residents. It has excellent customer service and has an A+ financial rating from A.M.
If you don't think your deductible will be enough, consider an optional policy. The supplemental coverage will pay for any repairs you need before you are required to pay your hurricane deductible.
The amount you pay for deductibles will vary depending on which policy you have purchased and how many previous storms you've experienced. If you're unsure about the amount of your deductible, talk to an agent and get an estimate from an insurance company.
Most insurers also offer discounts or credit to homeowners who take steps against wind damage. These include adding storm shutters, using impact-resistant glass and choosing stronger roofing materials.
A free quote will help you find the best hurricane insurance policy for your specific needs. Comparing quotes between insurers will help you find the best price.
Amica Insurance Company, Kin Insurance Company and PURE Insurance are some insurance companies who specialize in Florida homes. They have an excellent reputation when it comes to customer service. They also offer an option to get hurricane coverage in conjunction with flood insurance.