Coverage Guide
Hurricane Insurance Guide
Coastal zones, windstorm deductibles, and coverage
Coastal Risk Zones
| Zone | Description | Rate Factor |
|---|---|---|
| Beachfront (< 1 mile) | Direct ocean exposure | ×3.5 |
| Coastal (1-5 miles) | High wind zone | ×2.2 |
| Inland Coastal (5-15 miles) | Moderate risk | ×1.5 |
| Inland (15+ miles) | Lower wind exposure | ×0.8 |
Windstorm Deductible Examples
$400,000 Home @ 5% Deductible
You pay first $20,000
$600,000 Home @ 10% Deductible
You pay first $60,000
*Higher deductibles = lower annual premiums, but more out-of-pocket after a hurricane.