Florida
Florida hurricane insurance quotes and deductibles
In Florida, hurricane coverage lives inside your home policy with its own separate deductible expressed as a percentage of Coverage A. Choosing that percentage is the biggest premium lever you control after roof age.
Show my quotes →What moves the price
- Hurricane deductible percentage: 2%, 5%, or 10% of Coverage A
- Whether the policy includes windstorm at all — hazard-only forms exclude it
- Wind-mitigation credits from shutters, impact glass, and roof construction
- Distance to coast and county wind tier
- Law and ordinance coverage for bringing repairs up to current code
How the hurricane deductible actually works
On a $400,000 Coverage A, a 2% hurricane deductible is $8,000 out of pocket and a 5% is $20,000. It applies once per calendar year for hurricane losses, and your standard all-other-perils deductible still applies separately to non-hurricane claims.
Watch for hazard-only quotes
Some Florida quotes come back dramatically cheaper because they are dwelling/hazard coverage with no wind or hurricane protection. Your results screen labels those Hazard-Only — no wind or hurricane coverage so the comparison stays honest.
Common questions
It is normally part of the HO-3 policy but carries its own percentage deductible. In some coastal cases wind is written separately through a wind-only policy.
Take the higher deductible only if you can absorb that dollar amount after a storm. We show both so the savings are visible before you decide.
Related: Florida flood zones · Condo HO-6 insurance · Quotes by city
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