Dated: 06/13/2018

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There is actually NO such  thing as "Hurricane Insurance" and its actually a combo of added insurance benefits. If you live in an area where storm surge would not be present a standard policy in combination with a windstorm policy may give you the coverage needed in a Hurricane. When rising waters would be a factor Flood policies would come into play. Did you know In Florida, 1.7 million government flood policies were in force as of Mid 2017. More Floridians own the policies than residents in any other state. Even so less that 20% of homes in the state are insured by a flood policy. 

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Having a homeowners policy when flood insurance is not required does not necessarily mean you will be covered in a catastrophic weather event. 


Damages typically covered by homeowners insurance:

  • Fire

  • Winds (unless winds and floods cause damages at same time, such as a hurricane)

  • Hail

  • Explosions

  • Riots

  • Aircraft

  • Vehicles

  • Smoke

  • Vandalism

  • Theft

  • Falling objects

  • The weight of ice, snow or sleet

  • Volcanic eruption

Damages typically not covered by homeowners insurance:                                                              

  • Earthquake

  • Floods

  • Mudslides

  • Landslides

  • Power failure

  • Neglect

  • War

  • Nuclear hazard

  • Government confiscation or seizure

  • Wind damage (if flooding and wind damage happen simultaneously)

Note: This list is based on available data for most standard polices, your's may differ and a conversation with you insurance agent to clarify is recommended.

So hit the ground running with this up to date info in hand! Stop by and like my Facebook page for ongoing info as well @smithrealtytampabay

Happy House Hunting!

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