Hurricane Coverage in Panama City, Santa Rosa Beach, and throughout FL
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Hurricane Insurance Quote Forms
Hurricane Insurance Information
Florida experiences a lot of unpredictable weather, including hurricanes, which cause millions of dollars in flood damage each year. Hurricane season begins June 1 and runs through November, making this month an excellent time to review your hurricane coverage and ensure you have adequate protection for your home and belongings.
Whether you live by the coast or further inland, your Florida home could suffer flood damage. St. Andrews Insurance Agency helps customers in Panama City, Santa Rosa Beach and throughout Florida with their insurance coverage needs. Call us to evaluate your hurricane coverage needs.
What Is Hurricane Coverage?
The protection you need for hurricane insurance isn’t in one specific policy. Instead, separate policies can protect your home against hurricane damage. For example, a standard homeowners insurance policy doesn’t cover flooding. Rather, you may be able to buy flood insurance separately through the National Flood Insurance Program or your insurance company.
Many homeowners choose home insurance, flood insurance and other endorsements, such as sewer backup and windstorm coverage, to give them flood protection. The insurance you select should be enough to cover the costs of rebuilding your home and replacing any damaged possessions.
To help you recover from a hurricane or damaging storm, you may want to include these policies:
Additional living expense (ALE) coverage—If a covered incident occurs and destroys your home, you will need to live somewhere else. Fortunately, homeowners, renters and condo insurance policies usually include coverage for other living expenses, which is essential. If you experience significant hurricane loss, you may need more than standard ALE coverage.
Florida has 3.5 million people at risk of coastal flooding. You may also consider purchasing separate windstorm insurance, covering damage from any strong wind, not just hurricanes.
Does Homeowners Insurance Cover Hurricane Damage?
Homeowners insurance doesn’t cover flood damage to your home or belongings. You want to purchase the appropriate policies for your living situation. Our agents can help ensure you have the proper protection from wind and water.
How Much Is Hurricane Coverage?
The cost of your insurance depends on various factors, including the types of insurance you choose, if you reside in a high-risk flood area and the value of your home and assets. Additional endorsements will also affect the cost of your homeowners policy.
Protect Your Assets
St. Andrews Insurance can help ensure that your home and belongings have the protection they need once hurricane season begins. Call us today at 850-785-2383 to explore the insurance you may want for flood coverage.