By Boca Vibe
Before Hurricane Season, What to Check on Florida Insurance Policies
The 2026 Atlantic hurricane season is still a little less than two months away, but the time to review what is and isn’t covered in your home’s insurance policy is now. And many homeowners, particularly new homeowners, aren’t sure what their policy does or if they have the right coverage. Read more at BocaVibe.com.
Key Areas to Review
Here are some key areas to review on your Florida insurance policy before hurricane season:
- Homeowners Insurance Policy Limits
- Windstorm and Hurricane Deductibles
- Water Damage Coverage
- Personal Property Coverage
- Additional Living Expenses (ALE) Coverage
Many homeowners assume that their standard homeowners insurance policy covers them for hurricane damage, but this is not always the case. Some policies may have exclusions or limitations on coverage for certain types of damage.
Understanding Your Policy’s Exclusions and Limitations
It’s also important to understand what your policy excludes and limits. For example:
- Sewer back-up coverage is often not included in standard homeowners insurance policies, but can be added as an endorsement.
- Coverage for flood damage may require a separate policy or endorsement.
Additionally, some policies may have limitations on the amount of coverage provided for certain types of damage. For example:
- Average annual windstorm deductible may range from $500 to $2,000 depending on location and other factors.
- Coverage limits for personal property may be lower than expected, so it’s essential to review your policy carefully.
Don’t Wait Until It’s Too Late
The time to review what is and isn’t covered in your home’s insurance policy is now. Don’t wait until hurricane season hits and you’re left wondering if you have the right coverage. Take the time to review your policy, ask questions, and make any necessary changes before the storm season begins.
Official city info: City of Boca Raton.
Source: Original Report