The risk of severe weather is high no matter where you live. In Sunrise, FL, the chances of a natural disaster occurring aren't as rare as you may think. Hurricane insurance can help protect your property.
Fortunately, an independent insurance agent has access to several carrier options. They do the shopping for you so that you can relax. Connect with a local adviser in minutes.
What Is Hurricane Insurance?
In Sunrise, FL, hurricanes are common. In fact, they are the number one natural disaster in Sunrise. It's essential to know what coverage is out there for storms and other catastrophes.
- 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 Sunrise, FL?
In Sunrise, FL, there is a separate deductible that will apply for hurricanes. This will usually be an annual option so that you are not paying multiple deductibles in one year. Insurance for hurricane damage will come in the form of many policies. 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 Sunrise, FL?
Similar to your other personal or commercial policies, costs vary. Carriers look at your personal data and specifics when rating. While you won't know your exact pricing without a quote, several items affect your premiums in Sunrise, FL:
- Your claims history
- Your flood zone
- The city you live in
- Weather patterns
- Property values
One way to save on hurricane coverage is by bundling. When you bundle your home and auto insurance with the same carrier, you'll save big. Carriers award a discount of 30% or more across all policies.
Does Homeowners Insurance Cover Hurricane Damage?
Florida has a 40.4% chance of hurricanes. The state is number one for hurricane occurrences in the US. When you live here, your homeowners insurance rates will reflect natural disasters.
Fortunately, your home policy will protect against hurricanes. Since there is not separate hurricane insurance, your primary policies will fill in the gaps. Homeowners coverage can help replace or repair your home, other structures, and personal property in the event of a claim.
Does Flood Insurance Cover Hurricanes?
Sunrise, FL, is located in Broward County, which has had 27 natural disasters, and 16 of them were caused by hurricanes. Your flood insurance policy is essential for proper protection. Home and commercial insurance policies exclude flood damage. Therefore, a separate policy is needed.
Florida has 1,765 reported flood insurance claims yearly. Since there isn't a designated hurricane coverage, you'll need to combine your primary policies. This can be your home, commercial, and flood insurance.
How an Independent Insurance Agent Can Help
When you're searching for adequate protection in Sunrise, FL, a local adviser can help. With the many policies you can obtain to protect your assets, coverage can be confusing. Hurricane insurance can be reviewed with a trained professional.
An independent insurance agent has access to multiple carriers so that you get the best options. They will work on your behalf at zero cost, making it a no-brainer. Connect with an expert on TrustedChoice for tailored quotes.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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