Having Homeowners Insurance in Florida is a must.  Florida is known for its Hurricanes, Floods, Fires, and Windstorms.  If you do not carry or have the RIGHT Insurance Policy then you will be left in a bad situation.  Here at Pricemypolicy.com we will make sure your Insurance buying experience is a good, safe, & the right one.

We have outlined a few important details for purchasing Homeowners Insurance on what you should look for and what is usually not covered in a typical Insurance Policy.

Types of Homeowners Insurance:  Home insurance in Florida is extended to all kinds of homes. The various types of home insurance available in Florida are:

Homeowners: This policy covers homes owned by the policy holder and includes personal property and liabilities. Dwelling Fire policies also cover tenant occupied homes, the building structure and limited contents of the home.

Condominium Owners: Covers owner's condominium and includes personal property and liability.

Mobile Homeowners: covers mobile homes occupied by policy holder and also includes personal possessions and liabilities.

Renters: Covers policy holder's rented home.

Why you should have Insurance:  Protect both your house and personal property. Protect your personal property. Protection against liability for accidents that cause injuries other people or damage their property.

Flood Coverage: The standard homeowners’ policy does not include coverage for flood damage. Storm surge from a hurricane is also considered flood damage and not covered by your homeowner’s policy. Each year, flooding alone causes approximately $2 billion of property damage, not to mention the devastation caused by high winds and rain. Despite these risks, however, only 14% of Americans have actually purchased flood insurance to protect their property, and even fewer have comprehensive hurricane insurance. This coverage must be purchased separately.

Property Damage Coverage: Property damage coverage helps repair your home and personal property when damaged by such perils as fire, lightning, windstorm or hail. The perils of flood and earthquake are covered when the coverage is added to your policy.

Hurricane Damage Coverage:  Wind and hail can cause a great deal of damage in a hurricane, tearing about roofing, exterior siding and oftentimes downing trees which can cause a tremendous amount of destruction to a home. And while flooding can cause a great deal of damage during a hurricane as well, flood damage is not covered under a standard policy.

Hurricane Tips after the Storm: Call your insurance company as soon as possible and let the company know about the severity of the damage.  Keep a receipt of all purchases that have gone towards any of your repairs.  Take pictures of all damage that has occurred form the storm, inside & outside.  Keep everything documented.  Stay inside until you are notified that is OK to go outside.  Stay away from fallen trees that are near power lines.

What are Hurricane Catagories Hurricanes are categorized into 5 levels. The scale used to categorize a hurricane is called the Saffir-Simpson Hurricane Scale.

Category One Hurricane is the weakest. In a Category One Hurricane winds are between 74 and 95 mph. The storm surge is generally 4 to 5 feet above normal. Buildings are not in damage. You may find damage to shrubbery, trees, or unanchored mobile homes.

Category Two Hurricane has winds that are from 96 to 110 mph. The storm surge reaches 6 to 8 feet above its normal height. You will find considerable damage to shrubs and trees. Poorly constructed signs, piers, and mobile homes will have considerable damage. Some Category Two Hurricanes were Bonnie and Georges in 1998.

Category Three Hurricanes have winds that are 111 to 130 mph. The storm surge is generally 9 to 12 feet above normal. Some structural damage is done to small homes and utility buildings. Large trees are blown down. Low lying areas may be covered with water 3 to 5 hours before the center of the hurricane arrives. Evacuation is required of people who live in low-lying residences or within several blocks of the shoreline. In 1995 Roxanne and in 1996 Fran were examples of hurricanes classified as Category Three.

Category Four Hurricanes have winds 131 - 155 mph. The storm surge is 13 to 18 feet above normal. More extensive damage is found including some complete roof structure failures. Shrubs, trees, and all signs are blown down. Mobile homes are completely destroyed. Major damage to lower floors of structures near the shore are common. Hurricane Luis in 1995 is an example of a Category Four Hurricane.

Category Five Hurricane is the most powerful. Winds are greater than 155 mph. The storm surge is greater than 18 feet above normal. Complete roof failure on many homes and businesses is normal. Some buildings may be completely blown down. You will find severe window and door damage. There is major damage to lower floors of all structures located less than 15 feet above sea level and within 500 yards of the shoreline. Evacuation of residences within 5 to 10 miles of the shoreline may be required.

Top Hurricane Cities in Florida:

  1. Delray Beach, Florida
  2. Hollywood, Florida
  3. Deerfield Beach, Florida
  4. Boca Raton, Florida
  5. Ft. Pierce, Florida
  6. Florida City, Florida
  7. Key West , Florida
  8. Miami, Florida
  9. Fort Lauderdale, Florida
  10. Stuart, Florida
  11. Palm Beach, Florida
  12. Springhill, Florida
  13. Lake Worth, Florida
  14. Jupiter, Florida
  15. Key Largo, Florida
  16. Cedar Key, Florida
  17. Vero Beach, Florida
  18.  Fort Walton, Florida
  19. Pensacola, Florida
  20. Destin, Florida
  21. Jacksonville, Florida
  22. Fort Myers, Florida
  23. Naples, Florida
  24. Port Charlotte, Florida

Out of the Top 50 cities in the United States Florida has almost half of the most Hurricane Prone areas.

Hurricane, Flood, Windstorm Insurance is a must.  Please take the time to fill out our Homeowners Insurance Form or Call our Toll Free #.  Thanks you for taking the Time to read our Hurricane Insurance Florida Page.  We hope the information gave you some insight to Home Insurance Policies and Hurricanes.


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