Hurricane season and insurance in Key West

With its vulnerability to hurricanes, homeowners in Key West also need specialized insurance coverage. Windstorm and flood coverage is usually sold in separate policies from standard policies, leaving gaps.

Homeowners should consider their hurricane deductible, which tends to be higher than the usual deductible. It is vital that the policy recognizes the entire cost of reconstruction, including demolishing debris and upgrading code.

Hurricane-hardening homes can qualify for discounts. Adding storm shutters or hurricane-resistant garage doors and securing the roof can reduce premiums. An experienced agent can help navigate the balance of coverage and costs for homeowners.