Florida is a state prone to hurricanes, so it's a good idea to get a home insurance policy that includes 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
Some insurance companies offer coverage for storm-related issues such as flooding and wind damage. These policies cost a little bit more than an average homeowners policy but they are worth the extra expense.
Amica, a well-known and established insurer, offers protection against hurricanes in addition to other products for home insurance. J.D. rated it as the best in customer satisfaction. Power in 2022. The company also holds an A+ financial rating and has an A+ rating from A.M.
Lemonade, another online insurer that is on the rise, offers hurricane coverage. You can calculate the savings you may make by protecting your home against hurricane damage using its calculator.
Florida requires insurers to provide deductible options for hurricane damages of $500, 2.5%, 5.5%, and 10%. The insurer will not pay any money if you choose a percentage-based deductible.
The deductibles in homeowners insurance can be confusing, especially for people who live in areas prone to tropical storms and hurricanes. It's good to know that hurricane deductibles are not due until a claim is filed.
Allstate State Farm Citizens Property Insurance Corp. all specialize in hurricane insurance. They offer affordable windstorm protection for many Floridians.
Amica is an established name in Florida insurance with a rich history. 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 policy will pay for the cost of repairs before you have to pay the 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.
Insurance companies often offer homeowners discounts or credits if they take measures to reduce wind damage. This includes adding storm-shutters, impact-resistant glasses and choosing stronger roof materials.
To find the hurricane insurance that best suits your needs, you should first get a free quote. Then, you can compare quotes from different insurers to find the best deal.
Some insurance companies that focus on Florida homes and have a good reputation for customer service include Amica, Kin Insurance and PURE. There is also an option for hurricane coverage to be purchased in conjunction with flooding insurance.