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.
- Check your policy limits: Make sure you understand how much your policy will pay out in case of a hurricane-related loss.
- Review your deductible: Understand how much you’ll need to pay out-of-pocket before your insurance kicks in.
- Know what’s covered and what’s not: Some policies may exclude certain types of damage, such as flooding or windstorm damage.
Even those who do know their policy details may still be unsure about some aspects. For example:
- Do I have flood insurance? If you live in a high-risk flood zone, you may need to purchase separate flood insurance.
- Is my policy up-to-date? Review your policy to ensure it includes any recent changes or updates.
According to the National Association of Insurance Commissioners (NAIC), Florida homeowners are more likely than residents in other states to be underinsured. In fact, a 2022 study found that nearly one-third of Floridians don’t have enough insurance to cover their losses after a hurricane.
Why is it so important to review your policy?
Reviewing your policy before the hurricane season can help you avoid costly surprises down the line. If you’re not sure what’s covered or if you have the right coverage, now is the time to find out.
- Don’t wait until it’s too late: Reviewing your policy now can help you make informed decisions about how to protect your home and family.
- Say goodbye to costly surprises: By reviewing your policy, you can avoid unexpected expenses that could have been avoided with the right coverage.
Don’t wait any longer – take the time to review your Florida insurance policies today. Your home and family are worth it.
Official city info: City of Boca Raton.
Source: Original Report