Home insurance guide
Florida Homeowners Deductibles: Hurricane and Other Perils
Understand dollar and percentage deductibles, hurricane losses and the questions to ask before choosing home insurance.
Last updated October 17, 2026
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- Florida Homeowners InsuranceHurricane deductibles, flood protection and inspection preparation.
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- Florida Landlord InsuranceRental use, property protection, rental income and tenant responsibilities.
How a deductible works
A deductible is your share of a covered loss. It does not turn an excluded event into a covered claim. Review the declarations and policy wording for each deductible that applies.
Dollar amounts and percentages
Some deductibles are fixed dollar amounts. Others are a percentage of the dwelling coverage limit, not a percentage of the repair bill or the home’s market value. For example, 2% of a $300,000 dwelling limit is $6,000. This is an illustration, not a quote.
Hurricane and all other perils
Your hurricane deductible may differ from your all other perils deductible. Citizens describes its hurricane deductible as calendar-year based: covered hurricane losses in that year count toward the deductible, and later hurricane losses after it is met are subject to the all other perils deductible. Confirm the applicable conditions with your insurer rather than assuming every claim has the same treatment.
Choose an amount you can afford
A larger deductible may affect premium, but it also increases what you may need to fund after a covered loss. Ask about the available choices, any lender requirements, and whether separate roof or other deductibles apply. Compare limits and exclusions as well as premium.
Before a storm or claim
Keep your declarations, photos, repair invoices and receipts in a safe place. Report losses promptly to your carrier and ask how earlier hurricane losses in the same year affect the remaining deductible. Do not assume flood damage uses a homeowners hurricane deductible; flood insurance is separate.
Official sources
Source guidance checked October 17, 2026. Carrier requirements may change.
Important information
This information is general and educational. It is not an offer of insurance, a policy interpretation, or a promise of coverage. Coverage, availability, and terms depend on the policy issued, the carrier, underwriting, and applicable state law.