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Do All Florida Homeowners Need Hurricane Insurance?

Hurricanes are a frequent threat in Florida. Their destructive winds and flooding can devastate homes and communities. Understanding what is included and excluded in Florida homeowner insurance helps you protect your investment and determine whether you need to take out a separate hurricane insurance policy.

Do All Florida Homeowners Need Hurricane Insurance?

While Florida doesn’t require homeowners to have a hurricane policy, it’s strongly recommended. Standard homeowners’ insurance policies typically offer some protection because they cover wind damage. This is important since hurricanes bring strong winds. However, flood insurance is a separate policy.  

Since hurricanes often cause storm surges and heavy rain damage, taking out a specific hurricane policy makes sense. Without this coverage, rebuilding or repairing your home after a storm could be a financial burden. Considering Florida’s vulnerability to these powerful storms, having the right insurance protects your investment and prevents disruptions.

How Much Does Florida Home Insurance Cost?

Although the costs can vary greatly, homeowners insurance usually costs between $2,400 and $2,700 for an average-sized home. Flood insurance may add another $800 or more in flood-prone areas. The price of insurance depends on several factors. Living near the coast or in a designated flood zone will increase the premium. 
However, homes built to withstand strong winds and those with metal roofs tend to get discounts. The value you insure your home for and the deductible you choose are also important. A higher deductible lowers your premium but means more out-of-pocket expenses if you make a claim.
Taking out the right kind of insurance is important for all Florida homeowners because the state is vulnerable to floods and hurricanes. If you want to get the best insurance without breaking the bank, speak to an insurance agent. Give us a call at DTRT Insurance in Coral Springs, FL, and ask us to compile quotes. We can help you understand your options and select a suitable policy.

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