Hurricane Insurance in Crawfordville, FL
Living in Florida, you know that hurricanes are a fact of life. You like to think that you do everything you can to secure your home or business for when such a storm is predicted, but are you really that protected? Fortunately, there is good news on the storm front, as most property insurance covers hurricane damage. All you need do is to request a hurricane insurance quote from Harris Insurance.
Hurricane Basics in Florida
As a homeowner, you are familiar with your standard homeowner insurance policy. This policy should include hurricane coverage. If you’re not sure, check to see if you have a Hurricane deductible. If you have a hurricane deductible, your policy includes hurricane coverage.
There are different ways you can obtain hurricane insurance in Crawfordville. You always want to know that you are protecting your home and everything in it. Be sure Hurricane insurance coverage is included when you purchase:
• Homeowners Insurance: Whenever you buy a homeowners insurance policy in Florida, hurricane insurance should be included in that policy.
• Condo Insurance: Condo fees usually cover a condominium association’s master insurance policies. You must have a separate policy that covers hurricane damage to your unit’s interior walls, ceilings, as well as personal items.
• Renters Insurance: Your landlord's insurance should covers hurricane damage to the structure you are renting. You might not be required to carry renters insurance, but it is a wise thing to do to protect your personal belongings in the event of a hurricane.
What Does Crawfordville Hurricane Insurance Cover?
Our hurricane insurance policy covers loss or damage from windstorms during a hurricane. Because hurricane insurance is typically included in your homeowners policy, that policy will determine what is covered.
Generally, a Florida property insurance policy includes:
• Your main structure
• Other structures such as sheds, garages, or other outbuildings
• Interior property damage
• Personal Property
• Liability
• Medical payments to others
• Additional living expenses if you cannot live in your home
Hurricane coverage in Florida can also include hail, tornadoes, rain, wind, and strong wind gusts. Pay attention to your policy if it states Named Storm, Hurricane, or Wind coverage.
What is Not Covered by Hurricane Insurance in Florida?
Most everyone residing in Florida knows how powerful hurricanes can be. Hurricanes, not tropical storms. Your policy verbiage, specifically, if your wind deductible is for wind, Named Storms, or Hurricanes matters. You want to know which deductible you need to be prepared with when The Weather Channel issues watches and warnings for Tropical Storms and Hurricanes.
Keep in mind that any damage from a flood is not part of hurricane insurance coverage. To cover any rising water damage to your property, you need flood insurance. You do not even need to be living right on the coast to be affected by flooding. All Florida properties should consider flood insurance.
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Harris Insurance Protects You with Hurricane Insurance in Crawfordville
Protecting your home from hurricane damage is something we do for clients every day with a Crawfordville hurricane insurance quote. The national average for a home insurance policy costs about $1,410 per year as of 2021. You are eligible for discounts when you update your home and install added storm protection in and around your home. We recommend updated four point inspections for homes over 30 years old and wind mitigation inspections for homes built before 2002 in order to take advantage of all-applicable discounts.
A wind mitigation is an inspection conducted by a Florida-licensed professional that looks at your home's safety features to see how well your home will hold up to high winds in major storms. Inspectors will examine:
• Wall construction
• Roof geometry
• Roof-to-wall strength
• Secondary water resistance
• All openings, such as doors, windows, and garage door
• Date of roof installation and if it meets 2001 or newer building codes
• Roof covering performance and deck attachment
The more features your property has, the higher the total discount will be. Wind mitigation discounts are applied in different ways, and we encourage you to speak with one of our Crawfordville hurricane insurance agents for the answer to all your questions.
Your homeowners insurance has two deductibles. The “all other peril” deductible is generally a flat dollar amount. A hurricane deductible is a percentage of the coverage you have for your dwelling, typically 2%, 3%, or 5%. Some companies will allow you to go upwards of 10%. All deductibles are subject to specific conditions outlined in your policy.
If you have questions, and there are usually many when it comes to hurricane insurance, flood insurance, what is covered, what is not, and so on, contact our Harris Insurance office today. We have been protecting Florida residents since 1965 with all types of insurance to keep them safe wherever they are and whatever they do.
Our team of experienced agents knows the Florida insurance industry well. They are always on top of today's market trends and will show you how you can save the money without sacrificing important coverages. We never include hidden fees or upcharges for our services. Get a Hurricane Insurance Quote from us today for the peace of mind you deserve with a hurricane insurance policy in Crawfordville.
