In Davie, FL, there are over 106,306 residents that call this city home. Hurricane insurance is necessary when you live in a coastal state. Fortunately, there are trusted advisers to help.
An independent insurance agent has access to several markets so that you have options. They do the shopping for you at no cost. Get connected with a local expert and start saving today.
What Is Hurricane Insurance?
Florida is the number one state in the US for hurricanes. They host 40.4% of the nation's hurricane activity. When you own a property in Davie, FL, you'll want adequate protection.
- 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 Davie, FL?
Hurricane insurance is not on its own policy form. It is a combination of many policies that share the loss. 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 Davie, FL?
The cost of your insurance policies will vary. Since hurricane insurance is not any one policy, the exact pricing will depend on what you pay for all your coverages. The following several items affect your hurricane insurance premiums.
- Your claims history
- Your flood zone
- The city you live in
- Weather patterns
- Property values
Another way to cut costs is by bundling your policies. When you put your home and auto insurance with the same carrier, you'll save big time. Companies typically give you a 30% discount or more.
Does Homeowners Insurance Cover Hurricane Damage?
Hurricanes are common in Davie, FL. They make up 16 out of the 27 natural disasters that took place. Fortunately, your homeowners insurance policy will have coverage for a hurricane.
Any damage caused to your home, personal property, and other structures will be protected. The limits are dependent on what you preselected when taking the policy out. You can review your current coverage for accuracy before it's too late.
Does Flood Insurance Cover Hurricanes?
Flood insurance is a way of life in Davie, FL. If you live in any town that shares a coast with the ocean, flood insurance is necessary. It can also protect you from a hurricane.
If a flood occurs due to a tropical storm or hurricane, your flood policy will respond. Home insurance excludes coverage for flooding. A separate policy is needed and sometimes required depending on your flood zone.
How an Independent Insurance Agent Can Help
In Davie, FL, your property protection should be accurate and sufficient. If a natural disaster occurs, you could be out thousands of dollars. Hurricane insurance can help you avoid financial ruin.
An independent insurance agent has access to several carriers so that you get options. They work on your behalf at no cost to you. Connect with a local expert on TrustedChoice.com to get the best policy.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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