Florida Hurricane Insurance

Your Complete Guide to Hurricane Insurance in Florida

(Find the right hurricane insurance policy for you.)

Waving palm trees in windy tropical storm over cloudy dark sky

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 Hurricane Facts

  • Number of flood insurance claims: 1,765 
  • Florida is most likely to experience hurricane damage in the month of September.
  • In 1992, Hurricane Andrew was the most expensive hurricane to strike Florida. It made landfall in Miami and caused about $30 billion in damage.
  • In 2018, Hurricane Michael was the most intense storm to strike Florida. With wind speeds of 160 mph, it reached Category 5 status just before making landfall near Mexico Beach, FL.

What Is Hurricane Insurance in Florida?

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 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:

  • Homeowners insurance: Many home insurance policies include hurricane coverage as standard coverage. However, in some cases, you may need to purchase a special hurricane endorsement that comes with higher deductible amounts. Homeowners hurricane insurance can cover damage to both the structure of your home and the property inside it.
  • Mobile home insurance: Florida is filled with communities of mobile and manufactured homes. Because they are not built on a solid foundation, these properties are more susceptible to hurricane damage. Be sure that your policy will cover against heavy winds and torrential downpours.
  • Renters insurance: If you rent your home, your landlord is responsible for covering hurricane damage to the structure of the building you live in. However, you will need to cover your own personal property against damage by carrying a renters insurance policy. 
  • Condo insurance: If you live in a condominium, your condo association’s master policy will cover damage to the structure of your building. This is paid for through your HOA fees. You are responsible only for covering wall-in damage. A comprehensive condo insurance policy will provide coverage against hurricane damage to your interior walls, floors, and ceilings as well as your personal belongings.

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.

Hurricane Insurance in Florida Covers Damage to Your Vehicle

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. The good news is that unlike with home insurance policies, flood damage to vehicles can be covered as long as your car insurance policy includes comprehensive insurance.

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.

Protect Your Florida Business with Hurricane Insurance

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.

  • Property coverage for businesses: A standard business insurance policy can protect your business assets with commercial property insurance coverage. This is designed to cover property such as inventory, electronics, tools, and equipment. It can also cover damage to the structure of the building in which your company is housed if your business owns it.
  • Business interruption insurance coverage: Hurricanes can damage not only to your business, but also the infrastructure that supports it. If there are long-lasting power outages, road closures, or severe damage to your business, you may need to remain closed for weeks, or even months, while repairs are made. If you have included business interruption insurance in your commercial insurance plan, your business can receive a continuation of income until you can resume normal business operations.
  • Commercial flood insurance: As with home insurance, flood damage is not covered by business insurance. Since this is a very real risk in the wake of a hurricane, it is important that your business also has commercial flood insurance through the NFIP. This coverage enables your business to have up to $500,000 in structural coverage and $500,000 in commercial property coverage if your property is damaged by rising waters.

An independent agent can help you review your business insurance coverage to ensure that your business is sufficiently covered against hurricane damage.

Why Contact One of Florida’s Independent Insurance Agents?

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 independent insurance agent near you to learn more about hurricane insurance coverage in Florida.

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