There are 81,066 people that live in Deerfield Beach, FL. When you own property in a coastal city, the right protection is necessary. Hurricane insurance can be a significant part of your coverage.
Fortunately, an independent insurance agent can help. They have access to multiple carriers so that you get options. Connect with a local expert to save.
What Is Hurricane Insurance?
Florida experiences 40.4% of hurricane activity in the US. If you live in Deerfield Beach, proper protection is essential. Coverage for a hurricane can come in several forms.
- 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 Deerfield Beach, FL?
When you live in a coastal state, it makes sense to know the risk. Deerfield Beach is located in Broward County, which has had 16 hurricanes that caused a natural disaster, so you can never be too careful. There isn't separate insurance for storms, but your other policies can help. 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 Deerfield Beach, FL?
The cost of your insurance policies will vary. Carriers look at numerous risk factors when setting your price. Several items affect your hurricane insurance premiums:
- Your claims history
- Your flood zone
- The city you live in
- Weather patterns
- Property values
Since your hurricane coverage is found in many policies, it's hard to know the exact cost. You can obtain quotes to determine the premium and ask about bundling. You'll get a discount of 30% or more when you bundle your home and auto insurance with the same carrier.
Does Homeowners Insurance Cover Hurricane Damage?
Florida is Number 1 on the list of states with the most hurricanes. If your home gets hit by a natural disaster, then you'll want to be proactive. Coverage for a storm is already worked into your homeowners insurance.
Things like replacing or repairing your home, personal property, and other structures will be covered. The preselected limits will be set already based on what you've chosen. One item you won't have coverage for under your home policy is flooding.
Does Flood Insurance Cover Hurricanes?
Broward County has had 27 natural disasters. Over half of those were hurricanes. When flooding occurs, you will only have coverage if you obtain a separate flood insurance policy.
Flooding caused by a hurricane can be insured under this policy as well. In Florida, there are 1,765 flood insurance claims per year. Adequate insurance is necessary to avoid significant financial distress.
How an Independent Insurance Agent Can Help
When you're searching for the perfect policy in Deerfield Beach, FL, a trusted adviser can help. There are several options to choose from when it comes to protecting your assets. Hurricane coverage is among them.
Fortunately, an independent insurance agent will have access to multiple markets. This saves you time and premium dollars. Connect with a local adviser on TrustedChoice to review your policies for free.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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