Florida Hurricane Zone Insurance Secrets Finally Revealed

Types of Insurance Coverage Available

Homeowners in Florida typically require a combination of insurance policies to fully protect their properties. Standard home insurance policies often do not cover hurricane-related flooding, necessitating additional coverage:

• Windstorm Insurance: This covers damage caused by wind and hail, essential for hurricane-prone areas. Some insurers may require a separate windstorm policy.
• Flood Insurance: Offered through the National Flood Insurance Program (NFIP), this policy covers flood damage, which is not included in standard home insurance.
• Hurricane Deductibles: Unlike regular deductibles, hurricane deductibles are calculated as a percentage of the home's insured value, often ranging from 1% to 5%².