A Florida homeowners policy is usually an HO-3. It covers the house, other structures, your belongings, loss of use, and personal liability, subject to the form. Wind is usually included. Flood is not.
The hurricane deductible is the number people feel after a storm. It is separate from the deductible for a kitchen fire or a theft.
What it covers
The dwelling, on an open-perils basis on a typical HO-3, and your belongings on a named-perils basis. Personal liability if someone is hurt on the property or you cause certain damage away from home. Loss of use if a covered loss makes the house unfit to live in. Extra coverages, such as ordinance or law, vary by form and by the amount you choose.
Wind and hail are usually part of the policy, with a hurricane deductible that is often a percentage of the dwelling limit. A wind-mitigation inspection can document shutters, roof shape, roof-to-wall connections, and opening protection. Whether that changes what you pay depends on the company.
What it doesn't cover
Flood, including storm surge and rising water from a river or a creek. Earth movement. Wear and tear, and a roof that fails because it is old rather than because of a storm. A business in the home, beyond a narrow allowance in some forms. Cars. A vacant or rental house, unless the form is written for that use.
Florida specifics
Section 627.701 is the hurricane-deductible statute. The declarations page names the percentage and the trigger, which is tied to a hurricane. Section 627.7011 is the roof-age statute described above. Many companies also ask for a four-point inspection on an older home. A high-value home, a home you do not live in year-round, and a home under renovation can fall outside a standard HO-3.
How we help
Tell us the year the roof was replaced, whether anyone has done a wind-mitigation or four-point inspection, and whether the house is your residence. We shop the companies that will write the address and explain the hurricane deductible in dollars of the dwelling limit, not only as a percent. The percentage is on the quote. We do not publish a sample price.