HOME INSURANCE
Your home is the largest thing you'll ever insure, and the cheapest policy is rarely the one that holds up when you need it. We compare carriers to find real coverage, and we tell you what's included before you sign. Then we stay.
We review your policy before it renews, update it when your home changes, and handle the back-and-forth with the carrier when you file a claim.
What homeowners face in storm states
Homes in storm-prone areas need coverage that accounts for hurricanes, wind and flooding. Standard policies typically include windstorm coverage but often exclude flood damage, leaving a gap that only a separate flood insurance can fill.
Most home insurance policies cover specific water-related incidents, such as a burst pipe, an overflowing washing machine, or sudden roof leaks during a storm. However, they typically exclude flooding from external sources and gradual problems like mold or long-term leaks.
Be aware of policy exclusions and specific deductibles that apply, especially for hurricane-related claims. In many storm states, policies carry a separate hurricane deductible, which is usually higher than the standard one. Understanding these details ensures you're financially prepared.
Coverage Comparison
READ THIS BEFORE YOU SIGN
These are the gaps that surprise people after a loss. Most of them can be closed with an endorsement or a separate policy but only if you ask before something happens.
Requires separate flood insurance. Water that comes from outside your home is usually not covered by a standard policy.
Jewelry, art and collectibles may need scheduled coverage above the standard limit.
Mold, wear and tear, and pest damage are considered upkeep, not sudden loss.
Requires separate earthquake coverage.
May require an endorsement. Ask before you need it.
May require additional coverage, depending on the state.
THE NUMBER NOBODY EXPLAINS
In storm states, homeowners have a separate hurricane deductible, typically 2–5% of your dwelling coverage. On a $300,000 home that's $6,000 to $15,000 out of pocket before insurance pays anything for hurricane damage.Most people find this out the week after a storm. We'd rather you know it today.
$300,000
$50,000
$6,000
$44,000
You pay the first $6,000. Raising or lowering that percentage changes your premium we'll show you both numbers before you decide.
TWO THINGS THAT MOVE YOUR PREMIUM
Many insurers have strict requirements about roof age and condition:
Many insurers offer discounts for homes with wind-resistant features. An inspection can document:
Worth doing. A wind mitigation inspection typically costs $75–$150 and can save you hundreds of dollars per year on premiums.
FREQUENTLY ASKED QUESTIONS
Still not sure? Call a Bezzure Agent
No. Flood damage is excluded from home insurance and requires a separate flood insurance policy for coverage. However, home insurance often covers water damage, which is different from flood damage. Water damage comes from internal issues, like burst pipes, while flood damage is caused by external sources, such as storm surges or flash floods.
Home insurance protects your home's structure, belongings, and liability for accidents. It also covers additional living expenses if your home becomes uninhabitable due to a covered event.
Yes. Bundling your home and auto insurance can lead to discounts and streamlined coverage.
The amount depends on your home's value, replacement costs, and the value of your belongings. Your dwelling coverage should cover the full cost to rebuild your home at current construction prices not what you paid for it. We can help tailor a policy that works for you.
Tell us about your home and our team will compare your options and come back with the right coverage for your budget.
