In most cases there is no separate hurricane policy. Wind and hurricane damage is usually covered by your homeowners policy, with its own hurricane deductible. Florida law requires insurers to offer you a hurricane deductible of $500, 2%, 5% or 10% of your dwelling coverage.

That deductible choice moves your price a lot, and flood is a separate policy on top. Our hurricane insurance cost breakdown walks through the numbers, or get a free quote for your home.