Hurricane Insurance
Hurricane protection in Florida usually comes from two places: the windstorm provisions in your property policy and a separate flood policy. Our local agents help you review both so you understand what you're covered for before a storm forms.
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What Is Hurricane Insurance?
There is generally no single policy called hurricane insurance in Florida. Storm damage is typically handled by your homeowners or commercial property policy for wind, and by a separate flood policy for rising water and storm surge. Understanding which policy responds to which type of damage is what prevents an unwelcome surprise after a claim.
As an independent insurance agency, Bay Road helps you compare policies from multiple carriers so you can choose coverage that's right for you.
What's Typically Covered?
Hurricane protection is assembled from several pieces that work together. Which ones you need depends on your property, its location, and its construction.
Windstorm Coverage
Helps cover damage caused by wind and wind-driven rain under your property policy. In some coastal areas wind is excluded from the base policy and must be purchased separately.
Named Storm Deductible
Not a coverage but a policy term worth understanding. Florida policies commonly apply a separate, percentage-based deductible when damage comes from a named storm, which can be substantially higher than your standard deductible.
Flood Coverage
A separate policy that helps cover damage from rising water and storm surge, which property policies exclude. This is the gap that most often surprises owners after a hurricane.
Additional Living Expenses
Helps cover temporary living expenses if your home becomes uninhabitable due to a covered claim, including evacuation-related displacement where the policy allows.
Wind Mitigation Credits
Not coverage, but a potential savings. Florida carriers may offer premium credits for verified features such as roof attachment methods, opening protection, and roof shape. A wind mitigation inspection is what documents them.
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Frequently Asked Questions
Is hurricane insurance a separate policy in Florida?
Generally no. Wind damage from a hurricane is typically covered under your homeowners or commercial property policy, while flooding and storm surge require a separate flood policy. In some coastal areas windstorm coverage is excluded from the base policy and written separately.
What is a hurricane deductible and how does it work?
Florida property policies commonly apply a separate deductible for named storm damage, usually calculated as a percentage of your dwelling coverage rather than a flat dollar amount. On a home insured for $400,000, a 2 percent hurricane deductible would be $8,000. It generally applies once per hurricane season rather than per storm, though terms vary by carrier.
Does my homeowners policy cover storm surge?
No. Storm surge is treated as flooding and is excluded from standard homeowners policies. Covering it requires a separate flood policy, whether through the National Flood Insurance Program or a private carrier.
Do I need flood insurance if I'm not in a high-risk flood zone?
Flooding can happen outside designated high-risk areas, and hurricane-driven surge and rainfall regularly affect properties that were not required to carry coverage. A flood policy can protect against a loss your property policy excludes.
Can I buy coverage right before a storm?
Generally no. Carriers commonly stop writing new policies and binding changes once a storm enters a defined box or is named. Flood policies also carry a waiting period before coverage takes effect, subject to certain exceptions. Reviewing coverage well before hurricane season is the practical approach.
How can I lower my hurricane premium?
A wind mitigation inspection documents features such as roof attachment, roof shape, and opening protection that carriers may credit. Comparing carriers matters too, since wind pricing varies significantly between them for the same property.
How do I review my hurricane coverage?
Contact a local Bay Road agent. We'll review your current property policy's wind provisions, your deductible structure, and whether you carry flood coverage, then compare available options from trusted carriers.
Hurricane Insurance Near You
Our local agents help homeowners and business owners throughout the communities we serve.
Hurricane Insurance Boca Raton
Hurricane Insurance Deerfield Beach
Hurricane Insurance Marathon
Hurricane Insurance Plantation
Hurricane Insurance Port St. Lucie
Hurricane Insurance Big Pine Key
Hurricane Insurance Key Largo
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Compare coverage options from trusted carriers with help from a local insurance professional.
