Do I need hurricane insurance on my Florida home insurance plan?

Believe it or not, most homeowners don’t even have some type of hurricane damage insurance. While they’re fine with getting homeowners insurance policies from companies online, they don’t think about the coverage they may truly need in the event of a hurricane.

Only about 17 percent of homeowners across the country bother to buy some type of insurance like flood insurance. Since floods often occur from hurricanes, having flood insurance can help people protect their homes in the case of a flood-bearing storm. The problem is that most homeowners don’t think that it’s necessary.

The importance of hurricane insurance in Florida

But, having hurricane damage insurance like flood insurance is important, even if it seems extraneous. If most homeowners took a closer look at their homeowners insurance policy, they’d see that that same policy does provide coverage for events like fires, wind damage, lightning and hail. Though, in most cases, the coverage may not be enough for some homes. Most, if not all, don’t even provide coverage for flooding or specific coverage for severe storms like hurricanes.

Thanks to that, it’s important for a homeowner to at least consider getting a separate insurance policy to cover damage from hurricanes. If you’re in the United States, you can buy an entirely separate policy to cover storm damage from an insurance company specializing in the policies.

Flood insurance policies, to provide an example, are typically made available by the Federal Emergency Management Agency (FEMA) through insurance agents who carry those particular policies. So, you won’t have a difficult time finding one for your needs… as long as you know where to look.

A look inside FL hurricane insurance

Many insurance experts recommend to get some type of hurricane insurance policy in Florida, even if you don’t live in a hurricane prone area of the country. As seen in recent years, parts of the country that normally don’t experience severe weather have experienced severe weather, so having a storm insurance policy in place makes managing the aftermath of such situations much easier.

While some homeowners can’t afford to get a separate hurricane insurance policy, it’s still important to make sure that your main homeowners insurance policy has some type of coverage for storms. You can actually talk to home insurance providers like Florida Homeowners Insurance to ensure you can get that particular coverage… at a favorable price.

Some hurricane insurance policies are known to provide additional coverage for homeowners, including that of coverage for temporary housing, living expenses and many other necessities for people recovering from an unexpected storm. While some Florida hurricane insurance policies don’t provide the aforementioned, there are some that do, again making it important for people to check with their homeowners insurance provider for more information about coverage for storm damage.

Probably one of the biggest problems with homeowners and hurricane insurance policies is the fact that they need to take the time to learn more about those particular policies. As long as they can learn more, they can eventually see exactly what they need to further the protection they wish to secure for their home.