Fort Lauderdale Hurricane Insurance

Your Complete Guide to Fort Lauderdale, FL Hurricane Insurance

Find the right hurricane insurance policy for you.

Hurricane season in Florida goes from June 1 through November 30, but hurricane activity peaks between August and October. These storms bring damaging winds, heavy rains, and flooding, and leave expensive damage in their wake. Fortunately, most Fort Lauderdale residents are covered by hurricane insurance. Are you? One of the many Independent Insurance Agents in Fort Lauderdale can help you review your home, auto, and business insurance policies to help you be certain that you have sufficient hurricane coverage. Find an Independent Insurance Agent near you to get started.

Fort Lauderdale Hurricane Facts

  • Fort Lauderdale has been hit by more than 65 hurricanes since 1871.
  • This city ranks #30 in the list of cities in the US, Mexico, and the Caribbean with the most hurricane strikes. 
  • On average, Fort Lauderdale experiences a hurricane every 2.21 years.

What Is Fort Lauderdale Hurricane Insurance?

Hurricane insurance is not a stand-alone policy. Rather, it is either included in or can be added to the policies you already have. It is designed to cover the cost of replacing lost or damaged property and assisting with expensive clean-up costs if a hurricane should hit Fort Lauderdale. It is important that you know what your current insurance policies do and do not cover, so you can be sure that you are sufficiently covered against hurricane damage. A quick review of your current coverage may reveal that it is time to add supplemental coverage or start shopping for a new insurance provider. Independent insurance agents can help.

Hurricane Insurance for Your Fort Lauderdale Home

Whether you rent or own your Fort Lauderdale home, you can obtain coverage against hurricane damage through any of the following policies:

  • Homeowners insurance: Your home insurance may include hurricane coverage as a standard policy offering, or you may need to purchase a special endorsement with higher deductible amounts. Homeowners hurricane insurance can cover damage to both the structure of your home and the property inside it.
  • Renters insurance: If you rent your home, your landlord is responsible for covering damage to the structure of the building you live in if a hurricane strikes. However, you need to cover your own personal property against damage by carrying a renters insurance policy. 
  • Condo insurance: If you live in a condo or townhouse, your condo association’s master policy will cover damage to the structure of your building. However, you are responsible for covering everything inside your unit. A comprehensive condo insurance policy will provide coverage against hurricane damage to interior walls, floors, and ceilings as well as your personal belongings.

Be aware that home insurance does not cover against floods, even if it includes hurricane insurance. While damage from heavy rains will be covered, damage from rising waters will not. It is therefore important that Fort Lauderdale residents supplement their coverage with a flood insurance policy through the National Flood Insurance Program (NFIP). Your local insurance agent can help.

Can Fort Lauderdale Hurricane Insurance Cover Your Vehicle?

Hurricanes can wreak havoc on vehicles. Trees can topple onto them, flying debris can damage windows and paint jobs, and rushing floodwaters can wash them away. Regardless of how a hurricane damages your vehicle, you cannot get compensation unless your car insurance policy includes comprehensive insurance.

Although comprehensive coverage is optional by law, it is frequently required by lenders if you are still paying for your vehicle and by dealerships if you are leasing it. This insurance can cover you against non-collision loss and damage to your vehicle, as may happen in the event of a hurricane, fire, or theft.

Since you cannot be compensated more than your vehicle is worth, if your car has depreciated in value so much that your car loan is greater than its blue-book value, you might also want to consider gap insurance to make up the difference in the event of a total loss. Talk to your local insurance agent to learn more.

Hurricane Insurance for Your Fort Lauderdale Business

If you are a business owner in Fort Lauderdale, you will want to be sure that your investment in your company is properly insured against hurricane damage.

  • Property coverage for home-based businesses: If you run your business out of your home, your homeowners insurance may provide you with coverage against hurricane damage. However, this coverage is often limited and may require you to purchase special endorsements or a business insurance policy. 
  • Property coverage for other businesses: A business insurance policy can provide you with coverage against hurricane damage to your business materials, inventory, and equipment. It can also cover damage to the structure of the building in which your firm is housed if your business owns it.
  • Business interruption insurance coverage: Hurricanes can create extensive damage, not only to your business but also to the infrastructure that supports it. If there are long-lasting power outages, road closures, and severe damage to your business, you may need to remain closed for an extended period. This insurance will provide your business with a continuation of income until you can resume normal business operations.

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

Why Work with an Independent Agent in Fort Lauderdale?

It’s always a good idea to review all of your insurance policies every few years to make sure that they have kept up with changes in your life and financial situation. When checking for sufficient hurricane insurance, you can benefit from the assistance of an independent insurance agent. An independent insurance agent in or near Fort Lauderdale will be happy to answer your insurance-related questions and can assist you with reviewing all of your current coverage. Your agent may even be able to save you money by finding better policies at more competitive rates. 

Find an insurance agent near you to learn more.

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