Florida experiences 40.40% of the hurricanes in the US. When you live in Plantation, FL, you'll want coverage for all the what-ifs. Hurricane insurance can help.
An independent insurance agent has access to several carriers so that you get the best coverage in town. They work on your behalf so that you can save time. Connect with a local expert for custom quotes.
What Is Hurricane Insurance?
Hurricanes in Plantation, FL, are the Number 1 natural disaster. However, there is not a separate policy available. Instead, you'll have protection through a compilation of your other primary policies.
- Hurricane insurance: While there is no separate hurricane insurance policy per se, there is protection against the damage they cause. This will come in the form of your homeowners policy, flood policy, and more.
What Does Hurricane Insurance Cover in Plantation, FL?
Your personal and business insurance policies will provide coverage for a hurricane. They will fill the gaps for your Plantation, FL, property when a catastrophe occurs. Some coverages that may apply are as follows:
- Replacement or repair of personal or commercial belongings
- Replacement or repair of personal or commercial property/structures
- Replacement or repair of personal or commercial vehicles
How Much Is Hurricane Insurance in Plantation, FL?
Like any of your other insurance policies, your pricing will depend on numerous factors. Insurance companies use personal and outside data when rating your coverage. Several items affect your hurricane insurance premiums in Plantation, FL:
- Your claims history
- Your flood zone
- The city you live in
- Weather patterns
- Property values
Another way to save on hurricane protection is by bundling. When you bundle your home and auto insurance policies with the same carrier, you'll get a discount. Doing this could save you 30% or more on coverage.
Does Homeowners Insurance Cover Hurricane Damage?
Plantation, FL, is located in Broward County, which has had 27 natural disasters. Of those, 16 were hurricanes. Your homeowners policy will have protection against a natural disaster like a hurricane.
Your primary insurance policies will have to accommodate for hurricane damage. This can be a combination of your homeowners, auto, flood, and commercial insurance policies. Review your coverage with a professional for accuracy.
Does Flood Insurance Cover Hurricanes?
Flood insurance payments in Florida run around $592 annually. Your Plantation, FL, flood coverage could fall above or below that figure. It will depend on what flood zone you are in and your property specifics.
In Florida, 1,765 flood claims are reported every year. Hurricanes can cause flooding, which would fall under your flood policy. If you're without separate flood insurance, you'll be on the hook for any damage.
How an Independent Insurance Agent Can Help
Your Plantation, FL, property will need protection for a hurricane. With natural disasters and catastrophes high on the list of losses, you'll want sufficient insurance. A hurricane policy can help fill any gaps.
An independent insurance agent will have access to several carriers. This allows them to find coverage at an affordable price. Connect with a local expert on TrustedChoice for details.
TrustedChoice.com Article | Reviewed by Jeffrey Green
©2021, Consumer Agent Portal, LLC. All rights reserved.