Since many insurance companies include windstorm insurance in their policies when they're purchased, you probably won't have to do anything extra when buying your policy, since hurricane insurance coverage will already be included. It can be difficult to assess where hurricane coverage ends and where flood insurance begins, so let's look at some examples of scenarios. If a hurricane is likely to hit your area sometime in the next few years and you live in a moderate area, a flood insurance policy is a good idea. Yes, in Florida and states affected by hurricanes, auto insurance covers damage caused by hurricanes, as long as your policy includes comprehensive coverage.
While all renters insurance policies in Florida cover damage caused by the hurricane to a tenant's belongings, renters insurance is not required by law. A wind mitigation inspection that shows that your roof is resistant to hurricane-force winds can help you significantly reduce home insurance premiums in Florida. Check your policy documents or ask your insurance company when you'll have to pay your hurricane deductible. The good news is that hurricane-related damage to your vehicle will be covered as long as your auto insurance policy includes comprehensive coverage.
The state has a “single-season hurricane deductible,” which means that you are responsible for paying only one hurricane deductible during a given hurricane season, even if your home is affected by multiple storms. Hurricane insurance is a combination of insurance policies that you can purchase to protect your home from hurricane damage, including flood, storm and home insurance. Independent insurance agents can help you ensure that all your properties, from your furniture to your vehicle, are properly covered by the right insurance policies. Hurricane insurance for your home doesn't cover damage to your car caused by floods, wind, or hail, but your car insurance does.
Because the wind damage from the hurricane didn't create an opportunity for flooding, you would need flood insurance to pay for this water damage. If you live in a hurricane-prone area, such as Florida, your home insurance policy usually has a separate deductible (a hurricane deductible) that applies to wind damage caused by named storms. Flood insurance policies usually impose a 30-day waiting period between the time of purchase and the time coverage takes effect. Some coastal homeowners will need to add wind coverage in addition to flood and homeowner insurance to be fully operational.
covered against a hurricane, and this can be expensive.
