Is Your Home Hurricane-Ready?

Protect What Matters Before the Storm Hits

Florida's hurricane season runs from June 1 through November 30, with the most active months being August through October. Powerful winds, flooding, and storm surges can cause massive damage in minutes.

CLICK BELOW TO WATCH FIRST!

Find out if your current homeowners insurance truly protects you.

Why Choose Us?

When you work with us, you're not just buying a policy. You're building a relationship.

What Hurricane Season Really Means in Florida?

  • Florida experiences the most landfalling hurricanes of any US state.

  • Average hurricane-related damage in Florida exceeds $2 billion annually.

  • Many homeowners discover their policy doesn’t cover wind or flood damage, after the fact.

Don't worry, we can help!

The best time to protect your home was yesterday. The second best time is now.

Proudly Partnered With Florida’s Top-Rated Insurance Companies

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What Can The Ritz Agency Do For You?

  • Comprehensive Insurance Policy Review

    We thoroughly examine your current homeowners insurance to uncover hidden exclusions and limitations that could leave you exposed during a storm. Our expert agents ensure nothing important is missed and give you peace of mind before hurricane season starts.

  • Pinpoint Gaps in Coverage

    We identify where your policy may fall short whether that’s missing flood protection, insufficient windstorm coverage, or outdated valuations. These blind spots can cost thousands if left unresolved.

  • Custom Recommendations That Fit Your Home and Budget

    No two Florida homes face the same risks. We craft tailored solutions to meet your exact needs, selecting carriers and coverage that protect you without overpaying.

  • Emergency Prep and Claims Guidance

    Before the storm, we provide checklists and tools to safeguard your property. After the storm, we stand by you to ensure your claim is processed fairly, fast, and with minimal stress.

Don't worry, we can help!

Common Misconceptions That Could Cost You!

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"My regular home insurance covers hurricanes."

Standard policies don’t always include windstorm or flood damage. Does yours?"

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"I can get coverage right before the storm hits."

Once a storm is near, insurers freeze all new policies and coverage changes.

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"Only coastal homes need hurricane coverage."

Storm damage reaches far inland through flooding, wind, and falling debris.

STILL NOT SURE?

Frequently Asked Questions

Question 1: Does homeowners insurance cover hurricane damage in Florida??

Not always. Many standard homeowners insurance policies do not automatically cover flood or windstorm damage. These often require separate endorsements or stand-alone policies. Reviewing your current coverage with an agent is essential.

Question 2: What is a hurricane deductible?

A hurricane deductible is a specific amount you must pay out of pocket before your insurer covers most storm damage. It is a percentage of your insured home value (Coverage A on your policy), often between one and five percent (but can be as high as 10%), and can significantly impact your out-of-pocket cost.

Question 3: Can I add coverage if a storm is approaching?

No. When a named storm is near Florida or within designated threat zones, insurers enforce a moratorium. This temporary restriction prevents you from starting a new policy or making changes to your coverage until the danger has passed.

Question 4: What if I rent my home?

Renters are also vulnerable during hurricanes. Renter’s insurance with storm coverage protects your personal property such as electronics, appliances, and furniture. It may also include coverage for temporary housing if your rental becomes unsafe.

Question 4: What’s the difference between windstorm and flood insurance?

Windstorm insurance protects against damage caused by high-speed winds, debris, and hurricane gusts. Flood insurance covers damage caused by rising water levels and storm surge. Both are often required to ensure full protection.

Let’s Protect What Matters, In Time!