Orlando Hurricane Insurance

Your Complete Guide to Orlando, FL Hurricane Insurance

(Find the right hurricane insurance policy for you.)


As most residents of Orlando are well aware, hurricane season in Florida lasts from June 1 through November 30, and peaks between mid-August and late October. These storms bring with them damaging winds, heavy rains, and flooding, and they leave extensive damage in their wake. That is why most Orlando residents are covered by hurricane insurance. Are you? 

A local Independent Insurance Agent can help you review your home, auto, and business insurance policies to help you be certain that you have sufficient hurricane coverage. Find an insurance agent with an office in or near Orlando to get started.

What Is Orlando Hurricane Insurance?

Hurricane insurance is not a stand-alone policy. It is something that is either automatically included in, or can be added to, the policies you already have. This coverage is designed to compensate you for the cost of replacing lost or damaged property and to assist with expensive clean-up costs if a hurricane causes property damage in Orlando.

It is essential that you are aware of what your current insurance policies do and do not cover, so that you can be sure that you are not left with undue financial hardship in the wake of a hurricane. A quick review of your current coverage may reveal that it is time for you to add supplemental coverage or to start shopping for a new insurance provider. Independent insurance agents can help you find the best hurricane coverage in Orlando.

Hurricane Insurance for Your Orlando Home

Whether you rent or own your home in Orlando, you can get coverage against hurricane damage through any of the following policies:

  • Homeowners insurance: Your home insurance might include hurricane coverage as a standard policy offering, or you may need to buy a special endorsement, which often has higher deductible amounts. Your 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 handling damage to the structure of the building.  However, you need to cover your personal property against damage, and can do so 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.

No matter which type of policy you have, if your home is rendered uninhabitable by a hurricane, your insurance can cover your temporary living expenses, including meals and accommodations. However, your home policy will not cover you against floods. While damage from heavy rains is covered, damage from rising waters is not. It is therefore important for Orlando residents to supplement their home coverage with a flood insurance policy through the National Flood Insurance Program (NFIP). Your local insurance agent can help.


Save on Hurricane Insurance

Our independent agents shop around to find you the best coverage.

Orlando Hurricane Insurance Covers Your Vehicle

Hurricanes can greatly damage, or even destroy, vehicles. Trees can be uprooted and topple onto them, flying debris can damage windows and paint jobs, and rising floodwaters can wash them away. Regardless of how a hurricane damages your vehicle, you cannot be compensated unless your car insurance policy includes comprehensive coverage.

Although comprehensive insurance is not mandatory by law, it is typically required by lenders if you are still paying for your vehicle and by dealerships if it is being leased. This insurance can cover your car or truck against a wide assortment of non-collision related damage. 

Because you cannot be compensated more than your vehicle is worth, if your car has depreciated in value enough 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 that a hurricane or other hazard results in a total loss. Talk to your local insurance agent to learn more.

Hurricane Insurance for Your Orlando Business

If you own one of the many businesses in Orlando, you will want to be sure that your company is properly insured against hurricane damage. A business insurance policy can provide the following coverage:

  • Commercial property insurance: This is designed to cover your business assets, including inventory, furnishings, 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: If hurricane damage results in long-lasting power outages, road closures, or severe damage to your business, you may need to remain closed for an extended period. Business interruption insurance can provide your firm with a continuation of income until you are able to resume normal business operations.

As with home insurance, business insurance rarely covers flood damage.  Fortunately, your independent insurance agent can help you obtain a commercial flood insurance policy to further protect your Orlando business.

Why Work with an Independent Agent in Orlando?

Reviewing all of your insurance policies every few years can help you be sure that your coverage has kept up with changes in your life and financial situation. If you are checking to see if you have sufficient hurricane insurance, you can benefit from the assistance of an independent insurance agent. Independent insurance agents in Orlando are happy to answer your insurance-related questions and help you find the best and most affordable coverage. 

Find an insurance agent near you to learn more.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn