One interesting thing with homeowner Hurricane insurance is the deductibles. A normal hurricane deductible is 5% altho you can pay extra to get it lower and some companies will insist on a higher deductible.
The way it works is figured on your agreed insurance amount. Lets say that you want your home insured for $100,000. The 5% deductible means that your claim must exceed $5,000 before the insurance company will pay anything. Basically this deductible will exceed any claims by anyone that looses power and has food spoil, etc.
For normal homeowner claims, the deductible may only be $1000 but once a hurricane is involved, the higher deductibles go in to effect.
