Hurricane Insurance Cost Estimator
About Hurricane Insurance
Hurricane coverage is typically included in homeowners insurance as "windstorm" coverage, but in many high-risk coastal states, it must be purchased separately or through state-run insurers of last resort. A key feature is the hurricane deductible — typically 1–5% of your home's insured value — which is separate from your standard deductible. Properties closest to the coast pay the highest premiums. Impact-resistant windows and doors, storm shutters, and hurricane-strapped roofs can earn significant premium discounts in many coastal states.
Frequently Asked Questions
Is hurricane damage covered by standard homeowners insurance?
Wind damage from hurricanes is typically covered by standard homeowners policies. However, storm surge and flooding are not — those require separate flood insurance. In some coastal states, windstorm coverage must be purchased separately.
What is a hurricane deductible?
A hurricane deductible is a separate, higher deductible that applies specifically to hurricane-caused wind damage. It's typically 1–5% of your dwelling coverage — meaning $5,000–$25,000 on a $500,000 home.
When does a hurricane deductible apply?
It applies when a storm is officially named and designated a hurricane by the National Hurricane Center. The specific trigger conditions vary by policy and state.
Can I get discounts for hurricane-resistant features?
Yes. Impact-resistant roofing, hurricane straps, storm shutters, and reinforced garage doors can qualify for significant discounts — especially in Florida, where the My Safe Florida Home program offers mitigation inspections.
What is Citizens Insurance in Florida?
Citizens Property Insurance Corporation is Florida's state-run insurer of last resort for homeowners who can't find coverage in the private market — common in high-risk coastal areas where private insurers have withdrawn.
Results are estimates only. Actual hurricane insurance premiums depend on precise location, construction type, mitigation features, and insurer underwriting. Consult a licensed insurance professional for accurate quotes.