What your hurricane deductible costs, in dollars
The percentage is designed to feel small. Put your dwelling limit in and look at the actual number you would pay before the policy pays anything.
Your options in dollars
| Hurricane deductible | You pay |
|---|---|
| $500 | $500 |
| 2% | $8,000 |
| 5% | $20,000 |
| 10% | $40,000 |
| All other perils deductible | $2,500 |
The right deductible is the largest one you could pay tomorrow without borrowing. Not one dollar more.
The hurricane deductible applies once per calendar year, from the moment a hurricane watch or warning is issued until 72 hours after the last one ends. A second hurricane in the same year falls under your all other perils deductible.
Talk it through with an agentHow this is calculated
Percentages are applied to Coverage A, which is how Florida personal residential policies express the hurricane deductible. The menu shown is the one Florida requires insurers to offer, though the flat option is not available on every home.
What this cannot know
It does not know your carrier's premium difference between the options, which is the other half of the decision. Ask us for the premium at each deductible and put the two halves together.
Work it out before anybody sells you anything
Four calculators that run in your browser, a page for every situation Florida puts people in, and the claims data for your own county. All of it free, and none of it behind a form. The form is for the other half of the job: when you have read enough and want a person on the phone.
Leave a name and a number and a licensed Florida agent gets in touch. No obligation, and no call from six companies you have never heard of.
A licensed Florida agent may call, text or email you about your request.