You’ve finally done it… you purchased your dream home on one of the most beautiful places on all of God’s creation: Florida.
This state is home to pristine beaches, beautiful year-round weather, and eye-catching greenery everywhere you turn. It truly is one of a kind, and you’re now a homeowner in it… lucky you!
However, not even paradise comes without its cautions. Being in a peninsula, every Florida owner should invest in hurricane insurance regardless of where you live.
You always think it can’t happen to you until it does.
Here is your complete guide to hurricane insurance as a Florida resident.
You may find yourself overwhelmed by the number of insurance policies you need to invest in as a Florida homeowner. Fear not, most of them are included within each other.
Flood insurance differs from home insurance, but it still covers hurricanes if they’re the cause of the flood itself.
Basically, flood insurance covers any instance in which your property and/or belongings are damaged by rising water where there’s usually dry land.
Flood damage is one of the most costly incidents that can happen to your home. It can cost a minimum of $7,800 for only 1-4 inches of water. That means you’re forced to pay it out of pocket without flood insurance on your side.
Fortunately, some homeowners are required to have flood insurance. There are several factors that indicate whether you fall in that umbrella, the big indication is your flood zone, read more about that below…
There’s Insurance for any Living Situation
Many people reading this may think Well, I’m not a homeowner yet so this article doesn’t apply to me… Wrong! There’s hurricane insurance for any situation, whether you’re renting a home or buying a home, you can be covered. You can also be specified by the type of home that you own or rent. Categories such as renter’s insurance, condo insurance, mobile home insurance, and homeowner’s insurance help target your overall needs. For example, homeowner’s insurance will be geared towards protecting not only your belongings but the structural integrity of the house itself. Whereas renter’s insurance is simply focused on covering all of your belongings that become damaged during the hurricane. The property itself is up to your landlord, not you. Hurricane insurance is included in any of these home policies in the state of Florida, pick the one that fits your situation and stay protected during a crisis.Safety During an Emergency
Depending on how seriously your location gets hit with the hurricane, you may find that your home, neighborhood, and city unsafe to stay in. When that happens, you’ll need to make temporary living arrangements until your home can be fixed. Many people don’t have enough saved up to pay for that unforeseen expense out of pocket. Hurricane insurance helps you cover those expenses by way of reimbursing you for all the emergency costs. That way you and your family can find safe shelter, whatever that may look like, as you await the day you can return home. Depending on your provider, you may find that they’ll try to be a bit stingy with how much/little coverage they payout for you. That’s why it’s crucial to team up with a trusted public adjuster to set yourself up with the highest possible settlement. You’re the one that is going through the tragedy, you should be compensated for it.![](https://letusclaim.com//wp-content/uploads/2020/04/wave-icon.png)
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