As hurricane season is now upon us in Florida, it’s crucial to ensure that your home is adequately insured. Don’t wait until a storm is on the horizon to review your policy!Here are a few quick tips to make sure you're prepared:
1. Check Your Coverage: Verify that your homeowners insurance covers hurricane-related damages. Remember, flood damage often requires separate coverage!
2. Understand Your Deductibles: Know your hurricane deductible, as it can be substantially higher than your standard deductible.
3. Update Your Policy: Consider current home values and rebuilding costs. If you’ve made significant improvements or additions to your property, you may need to update your coverage.
4. Document and Inventory: Keep a current inventory of your belongings and their value, and store it along with your insurance documents in a safe, accessible place—preferably digitally as well.
5. Ask About Flood Insurance: Standard homeowners policies don’t cover flood damage. If you’re not sure about your flood risk, now’s the time to ask and add it if necessary.Stay safe and protected by getting ahead of the storm.
Reach out for an instant quote or a quick review of your policy today to make any necessary adjustments. Let’s keep our homes and families safe this hurricane season!