Melbourne Hurricane Insurance

The right protection for a loss could save you thousands of dollars. In Melbourne, FL, there are 83,029 residents. If you're one of them, you'll sprobably need hurricane insurance. 

An independent insurance agent can help with policy and premium options. They have affordable rates because they work with several carriers at once. Connect with a local expert for custom quotes. 

What Is Hurricane Insurance?

Florida experiences 40.40% of hurricanes in the US. You'll want proper protection for all the what-ifs when you live in Melbourne. Coverage for catastrophes can be insured through a variety of 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 Melbourne, FL?

Hurricane insurance is not a separate policy. Instead, it is a compilation of several types of insurance. Each plays a role in filling the gap for a hurricane loss in Melbourne, FL. 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 Melbourne, FL?

Your personal and commercial insurance policy costs will differ from anyone else's. Carriers look at multiple risk factors when figuring 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 hurricane protection is on many different policies, exact pricing can only be obtained through tailored quotes. One item that can impact your premium for the better is bundling. When you bundle your home and auto insurance with the same carrier, you'll get a discount of 30% or more. 

Does Homeowners Insurance Cover Hurricane Damage?

Your homeowners insurance policy will cover many things. Hurricane damage is one of them. While it is not the only policy that can protect against a natural disaster, it is the main one. 

It will help pay for a loss resulting from a tropical storm or hurricane. Damage to your home, belongings, and other structures will be covered. Your preselected amounts determine the limits of protection.  

Does Flood Insurance Cover Hurricanes?

The average cost of flood insurance in Florida is $592 per year. This price will vary depending on your risk level. The flood zone you are in will also determine how high your premiums go. 

Flood insurance will provide coverage for a flood resulting from a hurricane. This will be a separate policy from your other home or commercial insurance policies. It is one that is often overlooked, but it could save you from financial ruin. 

How an Independent Insurance Agent Can Help

The right protection for your home, business, and assets can be easy to find when working with a trained professional. Things like hurricanes and other natural disasters will have coverage under your primary policies. To review your insurance for accuracy, consult with a local adviser. 

An independent insurance agent can help find hurricane protection through several carrier options. Since they do the shopping on your behalf, you'll save time and premium dollars. Connect with an expert on TrustedChoice to get started.