Before Hurricane Season, What to Check on Florida Insurance Policies

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 when checking your Florida insurance policy:

• Property Damage Coverage: Make sure you have adequate coverage for damage caused by wind, hail, and other storms. Check the limits of your policy to ensure they meet or exceed the replacement cost value of your home.
• Personal Property Coverage: Review what is covered under personal property, including clothing, furniture, and electronics. Make sure you have enough coverage for valuable items such as jewelry, art, and collectibles.
• Liability Coverage: Ensure you have sufficient liability coverage in case of accidents or injuries on your property. Check the limits of your policy to ensure they meet state minimum requirements.
• Additional Living Expenses (ALE) Coverage: If you need temporary housing due to a covered loss, review your ALE coverage to ensure it meets your needs.

Special Considerations for Florida Homeowners

As a Florida homeowner, you may also want to consider the following:

• Windstorm Deductible: Check if your policy has a windstorm deductible. If so, review the amount and ensure it’s reasonable.
• Flood Insurance**: Even if you don’t live in a flood zone, you may still need flood insurance. Review your policy to see if it includes this coverage.
• Hurricane-Related Damage: If you’re located in a high-risk hurricane area, review your policy for specific coverage related to hurricane damage.