Florida is prone to hurricanes. It's therefore a good idea for you to purchase a policy that covers hurricanes. While finding the right insurer may be a hassle, it is worth it in order to protect your finances if there's a storm.
Best hurricane insurance Florida
Some insurance companies offer coverage for storm-related issues such as 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 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 the year 2022. It is also a A+ rated business with a great financial rating by A.M.
Lemonade offers hurricane-related insurance. On its website, you can use a calculator to determine the amount you could save by protecting your home from hurricane damage.
Florida requires insurers to provide deductible options for hurricane damages of $500, 2.5%, 5.5%, and 10%. The insurer won't give you money until you reach the deductible if you have these percentage-based options.
The deductibles in homeowners insurance can be confusing, especially for people who live in areas prone to tropical storms and hurricanes. 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 windstorm protection to many Floridians and typically have low rates.
Amica is a big name in the insurance industry with a long history of providing coverage to Florida residents. A.M. rates it A+ in financial ratings and for excellent customer care.
You can buy an optional supplemental insurance policy if your deductible is not high enough. The supplemental coverage will pay for any repairs you need before you are required to pay your hurricane deductible.
Your deductible will be determined by the type of policy you buy and the number of storms that have hit your home in the past. If you're unsure about the amount of your deductible, talk to an agent and get an estimate from an insurance company.
Homeowners who mitigate wind damage can also receive discounts or credits from their insurers. Included in this are adding storm shutters and using impact-resistant glazing, as well as choosing stronger roofing materials.
To find the hurricane insurance that best suits your needs, you should first get a free quote. 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. The company offers a combination of flood insurance and hurricane coverage.