Florida Windstorm Insurance:
Get Covered Before the Next Storm
Windstorm damage is the #1 cause of insurance claims in Florida. Most homeowners don't know their policy has gaps until it's too late. Get the right coverage today.
2026 Florida Insurance Alert: 16 new carriers entered the Florida market in early 2026, creating new options and lower rates. Many homeowners are overpaying — call to compare your current policy.
What Is Florida Windstorm Insurance?
Standard homeowners insurance in Florida often excludes or severely limits windstorm damage — the most common cause of catastrophic home loss in the state. Windstorm insurance fills that gap, covering damage from hurricanes, tropical storms, and high-wind events.
In coastal counties, windstorm coverage is typically required by mortgage lenders and is purchased separately from your standard homeowners policy. Citizens Property Insurance is the state-backed insurer of last resort, but private market options have expanded significantly in 2026.
Hurricane Damage
Wind-driven rain, roof damage, structural loss from named storms
Tropical Storm Damage
Coverage extends to tropical storms and high-wind events below hurricane strength
Wind Mitigation Discounts
Qualifying home features can reduce your windstorm premium by 20–45%
Florida Windstorm Insurance Guides
Everything Florida homeowners need to know about windstorm and specialty coverage.
Florida Windstorm Insurance Guide 2026
Complete overview of windstorm coverage, costs, and carriers in Florida.
Read more →Hurricane Deductibles Explained
What your hurricane deductible actually means and how to lower it.
Read more →Wind Mitigation Discounts Florida
How a wind mitigation inspection can cut your premium by up to 45%.
Read more →Citizens Insurance Windstorm Coverage
What Citizens covers, what it doesn't, and when to switch to private.
Read more →Windstorm vs. Homeowners Insurance
Key differences and why you likely need both policies.
Read more →Coastal Florida Windstorm Insurance
Special considerations for homes in Broward, Miami-Dade, and Palm Beach.
Read more →FR-44 Insurance Florida | Instant Filing
Need an FR-44 to reinstate your Florida license? Get filed today.
Read more →SR-22 Insurance Florida | 2026 Rates
Cheapest SR-22 filings in Florida. Rates dropped 8% in 2026.
Read more →Ready to Get the Right Windstorm Coverage?
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