Florida's ultimate hurricane proof home insurance revealed now
Understanding Hurricane Insurance Coverage
Hurricane insurance is typically a combination of homeowners insurance, windstorm insurance, and flood insurance. Each component plays a critical role in covering different aspects of hurricane damage:
- Homeowners Insurance: This covers structural damage to your home, personal belongings, and liability protection. However, standard policies often exclude flood damage, which is crucial during hurricanes.
- Windstorm Insurance: Essential for covering damages caused by hurricane-force winds. In Florida, this is often a separate policy or an endorsement to your homeowners insurance.
- Flood Insurance: Given the high risk of flooding during hurricanes, a separate flood insurance policy is vital. The National Flood Insurance Program (NFIP) offers policies through various private insurers1.