Insurance Preparedness: WHAT YOU NEED TO KNOW Five Key Questions to Ask About Your Policy
What is my standard deductible?
What is my hurricane deductible?
Do I need flood insurance?
Do I have enough coverage to replace my home and personal belongings?
Do I have loss-of-use coverage to help pay for temporary housing if I can’t live in my home?
Not all insurance policies are the same. Review your policy or talk with your insurance agent to ensure you have the right coverage for hurricane season.
Flood Insurance Most standard homeowners insurance policies do not cover flood damage caused by rising water. If you live in a designated flood zone, your mortgage provider will likely require you to carry a flood insurance policy. To learn more about flood protection, visit: FloodSmart.gov
Renters: Protect Your Property Renters also need to prepare for storms.
/// Hurricane Milton, 2024
Do I know my building’s risk of flooding or storm surge?
Do I know my evacuation zone?
Do I need flood and renters insurance to protect my belongings?
Will my landlord install window protection before a storm? If not, where will I go?
Your landlord’s policy likely does not cover your personal items—you’ll need separate renters insurance.
STORM PREPAREDNESS GUIDE 2025
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