
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
Some insurers provide special coverage to cover storm-related problems, such as wind damage and floods. These policies cost a little bit more than an average homeowners policy but they are worth the extra expense.
Amica is an established, large insurer with a recognizable brand. It offers hurricane insurance in addition to all of its other products. It has earned top marks for customer satisfaction from J.D. Power in 2022. The company also holds an A+ financial rating and has an A+ rating from A.M.
Lemonade provides hurricane insurance online. The calculator on its website will help you calculate how much money you could potentially save by making changes to your house to protect it against hurricane damage.

The state of Florida requires that home insurers offer deductible options of $500, 2%, 5% and 10% for hurricane damages. If you have a percentage based deductible, your insurer will not pay you any money until the deductible is met.
Deductibles, which are part of homeowner's insurance policies, can be confusing for homeowners who live in areas susceptible to hurricanes or tropical storms. Good news: Most people won't be required to pay their hurricane insurance deductibles unless they submit a damage claim.
Allstate, State Farm, and Citizens Property Insurance Corp. are all insurers that specialize in Hurricane Insurance. They offer affordable windstorm protection for many Floridians.
Amica has a strong reputation in the insurance business and has been providing Florida residents with coverage for many years. 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 plan will cover repairs prior to 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. Speak to an agent or ask for an estimate from your insurer if the amount of deductible is unclear.
Insurers also often offer discounts or credits for homeowners who take steps to mitigate against wind damage. These include adding hurricane shutters, using impact resistant glass and choosing a stronger roof material.
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, Kin Insurance, PURE and other insurance companies that specialize in Florida homes have good customer service and are known for it. You can also get flood and hurricane insurance together.