Your Complete Hurricane Insurance Guide for Florida

Full analysis of  PROPERTY CRIME RATES  and  INSURANCE COSTS  in your city.

Boca Raton
Boynton Beach
Clearwater

Coconut Creek
Daytona Beach
Delray Beach

Destin
Fort Lauderdale
Fort Myers

Fort Pierce
Fort Walton Beach

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What is Florida hurricane insurance?

Long story short, hurricane insurance doesn't exist. Coverage against hurricane damage, called wind/windstorm coverage, should be included in your homeowners policy. This is important since hurricanes can still bring strong winds and heavy rain that can cause damage to your roof, siding and fencing, and they can uproot trees and even overturn cars. Hurricane insurance also has nothing to do with flood insurance. This type of coverage is completely separate unless water comes from the rising of a nearby body of water. Because it's a bit confusing, you should talk to a local independent agent about reviewing your current coverage and, if necessary, purchasing additional coverage.

$9 Million

Average Cost of Damage Caused by Hurricanes in The United States

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What does Florida hurricane insurance do for me?

If your home or business is damaged, there are certain things that are covered under hurricane insurance. Any wind damage to your roof, siding, fencing or other parts of the property should be covered under your homeowners or commercial insurance. You may even have a policy with a specific deductible for hurricane damage that is separate from general damage. Plus, any damage to your furniture or personal belongings inside will be covered as well.

Keep on reading for information about damage related to flooding; you'll have to purchase separate flood insurance from the National Flood Insurance Program.

windstorm

 

Pays for damage to your home

We call this “building coverage.”

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Pays for damage to your belongings

We call this “contents coverage.”

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Does Hurricane Insurance Cover Flood Damage?

Hurricane insurance does not cover damage from flooding. That's why you need to purchase a separate policy from the National Flood Insurance Program. This is still available through a Trusted Choice® agent, but remember that there is a 30-day waiting period before you can use the coverage. So plan ahead, know the specific flood-related risk you face in your area, and purchase the extra coverage to have 360 degrees of protection during hurricane season.

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What About Federal Disaster Assistance?

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Unfortunately, it can take weeks for the government to designate a hurricane-affected area a federal disaster area and several more months for them to start distributing aid. That's why relying on disaster aid from FEMA is a bad idea. If you do receive help from them, it would be as a low interest loan that you have to repay. Note that you wouldn't have to repay insurance claims, though, and Florida insurance providers will fund any reimbursements from premiums.

How do I find the best Florida flood insurance?

Getting comprehensive, customized and affordable hurricane insurance is easy. You just need to contact your local Trusted Choice Independent Insurance Agent. Our agents have the experience and tools necessary to compare quotes from numerous carriers so you can receive the right kind of protection. It's the only surefire way to make sure all your bases are covered and will give you peace of mind when you know that you have a trusted advisor if damage occurs.

12,427 AGENTS ARE READY TO HELP YOU

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Find the Best Insurance in Your City

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Boca Raton
Boynton Beach
Clearwater

Coconut Creek
Daytona Beach
Delray Beach

Destin
Fort Lauderdale
Fort Myers

Fort Pierce
Fort Walton Beach

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Clearwater

Chances are high that you know someone who has been affected by a hurricane — or that you have personally been affected. Your area may be prone to naturally experiencing property damage from high winds, strong rain and flooding. But how are you supposed to protect yourself? Hurricane insurance is specifically designed to protect you from these risks and will compensate you after the fact.

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18

Number of hurricanes that have hit Clearwater

How often is Clearwater affected by hurricanes?

Every 2 years

Time of the year Clearwater is most likely to get hit?

Early September

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Find the Best Hurricane Insurance in Clearwater

If you're looking for comprehensive hurricane insurance, you're in the right spot. Your local Trusted Choice Independent Insurance Agent will gladly assess your needs and find a customized policy. Whether you need to protect your home or your business, make sure you get yourself 360 degrees of protection so you feel secure when hurricane season hits.

39 AGENTS READY TO HELP YOU

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Destin

Hurricane insurance is a smart investment — especially considering the frequency of these harsh storms, as you can see below. A hurricane can cause serious damage to your home or business, leading to big claims. Make sure you're properly insured with a Trusted Choice agent to know what is and isn't covered though. A lot of flooding damage isn't, which is why you should talk things through and see if you need any extra coverages to make sure you're completely protected.

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22

Number of hurricanes that have hit Destin

How often is Destin affected by hurricanes?

Every 2 years

Time of the year Destin is most likely to get hit?

Early September

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Find the Best Hurricane Insurance in Destin

Now that you know the risk you face in Destin, it's time to find a Trusted Choice agent. That way, you can receive a customized, comprehensive and affordable policy that you can feel comfortable with. You never know when a hurricane will hit and when intense winds and strong rains will ensue, so get the protection you need by contacting your local agent today.

9 AGENTS READY TO HELP YOU

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Delray Beach

One thing's for certain: If you live in Florida, you need hurricane insurance. As a coastal state, The Sunshine State sees its fair share of damage from strong winds and heavy rains during hurricane season. But your policy should be tailored to the specific area you're in and the type of property you're trying to protect. Just consider the frequency of hurricanes in the Delray Beach area before visiting a Trusted Choice agent to discuss coverage options.

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22

Number of hurricanes that have hit Delray Beach

How often is Delray Beach affected by hurricanes?

Every 2 years

Time of the year Delray Beach is most likely to get hit?

Early September

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Find the Best Florida Flood Insurance in Delray Beach

Finding the best hurricane insurance doesn't have to be complicated. A Trusted Choice Independent Insurance Agent has the expertise necessary to assess your needs. Then, we'll compare quotes with numerous carriers to give you plenty of options to choose from. When you team up with one of our local agents, you'll receive a hurricane policy for your property that you can trust at a price you can afford.

15 AGENTS READY TO HELP YOU

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Fort Lauderdale

Hurricanes can bring heavy rains that cause flooding and bring strong winds that damage roofs, uproot trees and overturn vehicles. Even if you're miles inland, you're prone to experiencing some damage. But because Fort Lauderdale is right on the coast, you need ample insurance to protect yourself and your property. It's important to work with a local agent who has likely experienced a hurricane or various related claims.

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18

Number of hurricanes that have hit Fort Lauderdale

How often is Fort Lauderdale affected by hurricanes?

Every 2 Years

Time of the year Fort Lauderdale is most likely to get hit?

Mid-September

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Find the Best Florida Flood Insurance in Fort Lauderdale

If you're ready to get started on the hurricane insurance journey, we're here to help. Our agents are trusted and experienced, and they're dedicated to finding you the insurance you need. We want to help you find exactly what you're looking for so you can feel secure when hurricane season starts. Strong winds, heavy rains and intense hurricanes won't have anything on you.

8 AGENTS READY TO HELP YOU

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Fort Myers

Did you know that 16 hurricanes have hit Fort Myers since recording began? If you have property here, you need the right kind of insurance to protect yourself, your belongings and your home from any damage that is likely to occur. Because you're in one of the most vulnerable areas in the country, you need the right kind of coverages and high enough limits to ensure you have ample financial protection.

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16

Number of hurricanes that have hit Fort Myers

How often is Fort Myers affected by hurricanes?

Every 3 years

Time of the year Fort Myers is most likely to get hit?

Late September

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Find the Best Florida Flood Insurance in Fort Myers

Your hurricane insurance should be customized and comprehensive, let alone affordable. When you partner with a Trusted Choice agent, you'll receive numerous quotes from various carriers to choose from. That way, it can be exactly what you're looking for and provide enough protection for your specific needs. It's simple, easy and quick with a Trusted Choice Independent Insurance Agent.

20 AGENTS READY TO HELP YOU

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Boca Raton

The data show that hurricanes hit the Boca Raton area every two years. It's fairly often that high winds and strong rain will damage your property when you least expect it. That's why you need peace of mind with a comprehensive hurricane insurance policy. It will protect you during hurricane season, especially in September, and can compensate you if any damage occurs.

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25

Number of hurricanes that have hit Boca Raton

How often is Boca Raton affected by hurricanes?

Every 2 years

Time of the year Boca Raton is most likely to get hit?

Mid-September

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Find the Best Florida Flood Insurance in Boca Raton

Ready to find the best coverage for your Boca Raton property? We thought so. Contact your local Trusted Choice Independent Insurance Agent to start comparing coverages, liability limits and prices. You're bound to find something that fits your needs and price range. It's the only surefire way to receive 360 degrees of protection if — and when — a hurricane hits the area.

54 AGENTS READY TO HELP YOU

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Boynton Beach

If you have property in or around Boynton Beach, you need hurricane insurance. With this coverage, you'll be protected against the strong winds and intense rain that ensue during the season. Because these storms happen so frequently, at least every two years, it's important to have the right kind of protection. You'll be thankful when something unexpected happens, and you'll be financially protected.

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22

Number of hurricanes that have hit Boynton Beach

How often is Boynton Beach affected by hurricanes?

Every 2 years

Time of the year Boynton Beach is most likely to get hit?

Early September

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Find the Best Florida Flood Insurance in Boynton Beach

It's time to get started on the hurricane insurance journey — and we're here to help. Our agents are trusted and experienced, and they're dedicated to finding you the insurance you need. We want to find exactly what you're looking for so you can feel secure when hurricane season starts.

12 AGENTS READY TO HELP YOU

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Coconut Creek

If you're a Coconut Creek resident, you should keep your eye out for September. It's the time a hurricane is most likely to hit. You certainly don't want to be caught without coverage when damage occurs. And considering that the number of severe storms and hurricanes is on the rise, you should get coverage as soon as possible. Make sure you have the right deductibles in place, and purchase ample coverage at the right liability limits with a Trusted Choice agent.

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25

Number of hurricanes that have hit Coconut Creek

How often is Coconut Creek affected by hurricanes?

Every 2 years

Time of the year Coconut Creek is most likely to get hit?

Mid-September

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Find the Best Florida Flood Insurance in Coconut Creek

Don't worry; finding the best hurricane insurance doesn't have to be complicated. A Trusted Choice Independent Insurance Agent has the expertise necessary to assess your needs. Then, we'll compare quotes with numerous carriers to give you plenty of options to choose from. When you team up with one of our local agents, you'll receive a hurricane policy for your property that you can trust at a price you can afford.

2 AGENTS READY TO HELP YOU

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Daytona Beach

Whether you've lived in the area for years or just moved to Daytona Beach, you know that there's a high likelihood that a hurricane will roll through and cause damage. But if you're protecting your property from these big storms, what exactly should you be looking for? First, high winds and heavy rain are the biggest characteristics of a hurricane, so that's where you should start. Next, think about whether you're in a flood risk zone. You might need extra coverages, so talk to a Trusted Choice to get a better idea of what limits you need.

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18

Number of hurricanes that have hit Daytona Beach

How often is Daytona Beach affected by hurricanes?

Every 3 years

Time of the year Daytona Beach is most likely to get hit?

Early September

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Find the Best Florida Flood Insurance in Daytona Beach

Now that you know the risk you face in Daytona Beach, it's time to find a Trusted Choice agent. That way, you can receive a customized, comprehensive and affordable policy that you can feel comfortable with. You never know when a hurricane will hit and when intense winds and strong rains will ensue, so get the protection you need by contacting your local agent today.

7 AGENTS READY TO HELP YOU

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Fort Pierce

Hurricane insurance is a smart investment — especially if you're in the Fort Pierce area. Plus, just consider the frequency of these harsh storms with the data below. Hurricanes can cause serious damage to your home or business that can lead to a big financial loss. To make sure you're properly insured, team up with a Trusted Choice agent. That way, you can know what is and isn't covered. For example, damage from flooding may not be covered.

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22

Number of hurricanes that have hit Fort Pierce

How often is Fort Pierce affected by hurricanes?

Every 3 Years

Time of the year Fort Pierce is most likely to get hit?

Early September

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Find the Best Florida Flood Insurance in Fort Pierce

Work with a Trusted Choice agent to learn what is need to protect your property in the event of a hurricane. Our agents are able to work with you to find a policy that will fit your specific needs and will compare quotes to get you the most affordable price.

4 AGENTS READY TO HELP YOU

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Fort Walton Beach

Chances are high that either you know someone who has been affected by a hurricane or you have personally been affected by a hurricane. Living in Florida means your home is naturally prone to experiencing property damage from high winds, strong rain and flooding. How can you protect yourself? With hurricane insurance specifically designed to protect you from these risks.

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20

Number of hurricanes that have hit Fort Walton Beach

How often is Fort Walton Beach affected by hurricanes?

Every 3 years

Time of the year Fort Walton Beach is most likely to get hit?

Early September

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Find the Best Florida Flood Insurance in Fort Walton Beach

If you're looking for comprehensive hurricane insurance for your Fort Walton Beach property, you're in the right spot. Your local Trusted Choice Independent Insurance Agent will gladly assess your needs and find a customized policy. Whether you need to protect your home or your business, make sure you get yourself 360 degrees of protection so you feel secure when hurricane season hits.

4 AGENTS READY TO HELP YOU

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