Hurricane Insurance

Living in Florida means experiencing frequent and intense hurricanes. Given the unpredictable nature of our weather, securing a hurricane insurance policy is a smart and essential move for every resident.

Do You Need Hurricane Insurance?

While hurricane insurance isn’t always legally mandated, those living in high-risk areas may find that their lender or mortgage company requires it.

Hurricane insurance is advantageous for everyone, not just those in designated high-risk zones. Hurricanes can impact any area, making it essential to be prepared no matter where you live.

Who Should Consider Hurricane Insurance?

Hurricane insurance is recommended for:

  • Homeowners
  • Business owners
  • Renters
  • Landlords
  • Residents in hurricane-prone areas

What Does Hurricane Insurance Cover?

Hurricane insurance typically consists of two main types of coverage: building property coverage and personal contents coverage.

  • Building Property Coverage

Physical Structure: Protects the structure of your home, including the foundation, plumbing, electrical systems, central air and heating systems, attached bookcases, cabinets, paneling, and a detached garage (other detached structures require separate policies).

Coverage Basis:
Primary residence: Pays out on a replacement cost basis.
Vacation home: Pays out on an actual cash value basis.

Coverage Limit: Through the National Flood Insurance Program (NFIP), the maximum coverage limit for the dwelling is $250,000. Additional coverage can be obtained through excess flood insurance and private flood insurance options.

  • Personal contents coverage

Protected Items: Covers clothing, furniture, electronics, curtains, some portable appliances, freezers, and certain valuables like art (up to a specified limit).

Coverage Basis: Pays out on an actual cash value basis.

Coverage Limit: Through NFIP, the maximum coverage limit for personal contents is $100,000. More coverage options are available through excess flood insurance and private flood insurance policies.

What Isn’t Covered by Hurricane Insurance?

While hurricane insurance provides extensive coverage, there are certain items and scenarios that it does not cover:

  • Preventable Damage: Moisture, mold, or mildew damage that could have been avoided by the homeowner.
  • Valuables: Currency, precious metals, and paper valuables such as stock certificates.
  • Outdoor Property: Items like decks, fences, patios, landscaping, wells, septic systems, hot tubs, and pools.
  • Living Expenses: Temporary housing and other living expenses incurred due to displacement.
  • Vehicles: Cars and other vehicles.
  • Basements and Crawl Spaces: Coverage for basements and crawl spaces is limited. While some items like the furnace (covered under building coverage) and the washer/dryer (covered under personal contents) may be included, most items in these areas are not covered.

How to Purchase Hurricane Insurance

At Chapman Insurance Group, we’re dedicated to simplifying your insurance experience. We specialize in finding the right hurricane insurance policy to safeguard your home.

We ensure you grasp all aspects of coverage, including what is covered comprehensively and any limitations specific to hurricane insurance. Our expertise guarantees clarity and peace of mind.

Contact CIG today for a complimentary quote on your hurricane insurance policy. Let us protect your home base with tailored coverage that fits your needs.

Have a question?
Talk to an expert.

Whether you’re a homeowner, business owner, renter, or landlord we can answer all your questions. Talk to one of our agents to find a policy that works for you.

Find an agent in your area.

Ordering hurricane insurance in Cape Coral, Fort Myers, Naples, Port Charlotte, Punta Gorda, and Bonita Springs, Florida.

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