Hurricane insurance is not what you may think. In Boca Raton, FL, there are several policies that you can obtain for your assets. With a growing population of over 99,805, the right coverage can make all the difference.
An independent insurance agent can help with policy and premium options. They work with several markets so that you get the best rates in town. Connect with a local expert for custom quotes today.
What Is Hurricane Insurance?
Boca Raton, FL, has had 17 hurricanes that caused a natural disaster in years past. If you live in a city with a high chance of tropical storms, then the right coverage is always necessary. Hurricane insurance will not be on its own policy, but will be covered in other 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 Boca Raton, FL?
In Boca Raton, FL, there have been 27 natural disasters. Hurricanes made up the bulk of those. While you won't have separate hurricane insurance, protection limits will be on your other primary policies. 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
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How Much Is Hurricane Insurance in Boca Raton, FL?
Your personal and commercial insurance costs will vary. Coverage and personal data play a big role in how much you'll pay for protection. Several items affect your hurricane insurance premiums as follows.
- Your claims history
- Your flood zone
- The city you live in
- Weather patterns
- Property values
While you can't know your exact costs without a quote, you can at least be certain of how it's figured. Another way to cut costs is by bundling. When you bundle your home and auto insurance with the same carriers, you'll save 30% or more.
Does Homeowners Insurance Cover Hurricane Damage?
The average insured's losses due to hurricanes each year are 56.3 billion dollars. In order to avoid financial ruin, adequate protection is needed. Fortunately, your homeowners insurance can help.
Your home policy will provide coverage for storm damage. This includes damage from a hurricane. The one item it will not insure is flooding. For that, you'll need a separate policy altogether.
Does Flood Insurance Cover Hurricanes?
In Boca Raton, there is a high chance of having water damage due to a hurricane. If you're looking to protect all areas of your property, flood insurance can help. It will pay for water damage directly resulting from a flood.
This can be due to a hurricane causing flooding as well. You can obtain flood insurance through a FEMA-approved carrier. The flood zone you are located in will determine if coverage is mandatory.
How an Independent Insurance Agent Can Help
If you are searching for proper protection for all the what-ifs, the right policy is a must. When it comes to covering your assets, there's a lot out there. Hurricane insurance is necessary when you live in a coastal town.
Fortunately, an independent insurance agent can help. They have access to multiple carriers so that you get options. A full policy review is done at no cost so you can feel at ease. Connect with a local expert on TrustedChoice.com for details.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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