Hurricane season runs from June 1 through November 30. Florida is vulnerable to storms that approach from the Atlantic Ocean as well as through the Gulf of Mexico. Hurricanes bring extensive damage due to heavy winds, torrential downpours and flooding. Fortunately, most Floridians are covered by hurricane insurance. Are you?
There are many independent insurance agents in Florida. You can turn to one of these local insurance professionals for help reviewing your home, car, and business insurance policies so you can be certain that you have sufficient hurricane coverage. Find an insurance agent near you to get started.
Florida homeowners have a lot of money invested in their properties. Those who rent also have a lot to lose, since a hurricane can lead to the irreparable damage to their personal belongings. Whether you own or rent your home, you can get hurricane coverage for your property through any of the following policies:
Each of these different types of home coverage can also provide you with reimbursement for temporary living arrangements if your home is uninhabitable due to a covered event such as a hurricane. That way, you can afford to stay in a hotel and eat your meals out while repairs to your property are being made.
It is imperative that you are aware that home insurance policies do not cover against flood damage, even if the flood is the direct result of a hurricane. It is therefore important that Florida residents supplement their home coverage with a flood insurance policy through the National Flood Insurance Program (NFIP). Your local insurance agent can help you obtain this coverage.
Anyone who has ever lived through a hurricane knows the damage that these storms can do, not only to homes and buildings, but also to vehicles. Cars and trucks can be crushed under toppled trees and can be damaged by wind-blown objects. Worse, they can be totaled by floods.
Comprehensive coverage is optional, but if you are still paying for your vehicle or are leasing it, chances are good that your lender has required you to include this coverage in your policy. Comprehensive insurance can cover your vehicle against all sorts of non-collision damage such as may happen in the event of a hurricane, fire, or property crime.
Additionally, because you cannot be compensated more than your vehicle is worth, if your car has depreciated in value so much that your car loan balance is greater than its blue-book value, you may also want to consider gap insurance. This coverage can make up the difference in the event that a hurricane totals your car. Talk to your local insurance agent to learn more.
Florida is home to more than 2 million businesses of varying size and scope. If you are among the many business owners in this state, you will want to be sure that the investment you have made in your company is properly insured against hurricane damage.
An independent agent can help you review your business insurance coverage to ensure that your business is sufficiently covered against hurricane damage.
When you take the time to review your insurance policies every few years, you can be sure that your coverage has kept up with changes in your life and financial situation. An independent insurance agent can help you go over your current coverage to make certain that you are properly covered against hurricane damage.
There are currently 1,583 independent insurance agents working in Florida. These agents are happy to answer your insurance-related questions and can assist you with reviewing your hurricane coverage. Your agent may even be able to save you money by finding more inclusive policies at better rates.
Find an insurance agent near you to learn more about hurricane insurance coverage in Florida.