For homeowners in the Sunshine State, this timeframe can be one that leads to damage to likely their largest investment, their home. 

In Florida, homeowner policies may or may not include coverage for wind loss. It is important for consumers to make sure they know if this coverage is included in their policy. If not, you can purchase a separate wind policy for your protection.

Wind coverage, whether on the homeowner policy or on a separate wind only policy, has a specific hurricane deductible that applies to a covered loss that takes place during a named storm. The most common hurricane deductible is 2% of the dwelling amount so it can be quite substantial.

In this blog, we’ll cover some of the coverage you should consider. 

Homeowners insurance - This is property insurance that covers damages and losses to a person’s home and assets. Typically, the policy covers interior and exterior damage as well as damage to personal belongings and injuries that occur on property. Every homeowners insurance policy has a liability limit that determines the amount of coverage a person has if an incident is to occur. 

Flood insurance - This is a specific type of insurance that protects a person’s property in the event of a flood. When it comes to hurricane season, flooding caused by heavy and/or prolonged rain as well as coastal storm surges are typically covered with a flood insurance policy. 

Windstorm insurance - This type of insurance covers the policyholder from destruction caused by wind including damages to property and personal belongings. Windstorm coverage generally carries a high deductible for damage due to a hurricane.

If you’re unsure about your coverage, contact us today. Our agents are here to help you find the right coverage to protect your home and belongings this hurricane season and beyond.