Storm season is a season, not a surprise.
In Florida, hurricane damage commonly carries its own separate deductible — often a percentage of the home's insured value rather than a flat amount. See how that deductible works.
Wind and hurricane coverage in Florida doesn't always behave like the rest of a home policy. A few things are worth knowing before storm season.
Hurricane damage commonly carries its own deductible, apart from the standard deductible on the rest of your homeowners policy.
In some cases wind is written as its own policy rather than being included in the homeowners coverage, so it's worth confirming how yours is set up.
A wind mitigation inspection looks at features like your roof and openings, and it can affect what you pay. We can walk you through whether one makes sense.
Wind, flood, and homeowners are three different kinds of protection, and in Florida they sometimes live in three different places. A home can look fully insured and still have a gap when a storm hits, and the day the weather turns is the worst time to find out.
Because we're independent, we review all three together so you know exactly what each one does and where one ends and the next begins — no surprises after the fact.
Get a free property quoteThis is the advantage of an independent agency: one quote request here puts multiple Florida carriers to work competing for you. No reason to spend your evening filling out forms site by site — comparing them is literally our job. The list changes as the Florida market changes; ask us for the current one.
Two minutes online, or call the office. Give us the basics on the property, in English or Spanish.
We compare wind, flood, and homeowners coverage across multiple Florida insurers and explain how each one handles storms.
Pick your policy and we handle the paperwork — and we're still here at renewal, storm season, and claim time.
Sometimes it's handled differently. Hurricane damage commonly carries its own separate deductible, and in some cases wind is written as its own policy. It's worth confirming exactly how yours is set up before the season starts.
It looks at features like your roof and openings, and it can affect what you pay. We can walk you through whether one makes sense for your home.
Wind, flood, and homeowners are three different kinds of protection, and they sometimes live in three different places. We review all three together so there are no surprise gaps.
Two minutes online, or one call to the office. The right wind coverage at the best price we can find, since 1994.
Get a free property quote