Florida is one of the states that are prone hurricanes. Therefore, it's important to have a home policy with hurricane coverage. 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
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 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 is another up-and-coming online insurance provider that provides hurricane-related 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%. 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. But the good news is that most people don't have to pay their hurricane deductibles until they file a claim for damage.
Insurers that specialize in hurricane insurance include Allstate, State Farm and Citizens Property Insurance Corp. These companies provide windstorm insurance to many Floridians at low rates.
Amica has provided insurance coverage to Florida residents for many years. A.M. gave it an A+ for financial strength and its excellent customer service.
You can buy an optional supplemental insurance policy if your deductible is not high enough. The supplemental policy pays for repairs before the hurricane deductible is due.
You will have to pay a deductible based on your policy and how often you've had a storm hit your house. Ask an agent to get an estimate and ask the insurance company.
Many insurers offer homeowners discounts and credits when they take precautions to prevent wind damage. This includes adding storm-shutters, impact-resistant glasses and choosing stronger roof materials.
A free quote will help you find the best hurricane insurance policy for your specific needs. Then, you can compare quotes from different insurers to find the best deal.
Amica, Kin Insurance, and PURE are some of the insurance companies with a focus on Florida and a great reputation for their customer service. The company offers a combination of flood insurance and hurricane coverage.