4 Tips to Prepare Your Insurance for the Hurricane Season

With hurricane season right around the corner, those who live in places prone to extreme weather must take plenty of precautionary measures to secure their property and safety. The usual sandbags and first-aid kits come to mind, but another important part of hurricane preparedness is insurance.

Having the right insurance policies (and making sure they’re up-to-date) gives you peace of mind that you can enjoy protection in case something terrible happens. To help you ensure your policies give you ample coverage, we’ve rounded up four tips to keep in mind before it’s too late:

1. Have electronic copies of all your insurance policies

One of the most important things you have to do is make sure you have a copy of all your policies. That is because anything can happen during the hurricane season. For example, your house might get flooded, forcing you to relocate and destroying your filed documents in the process. 

With your insurance policies safely digitized, you can go about your hurricane preparations more securely. That being said, don’t just keep the digital copies on your phone. Upload them to your cloud storage, such as Google Drive, or keep it in your email inbox. That way, you can access your policies as long as you can log on to the internet, even if you lose your phone.

2. Check your car insurance

Go over your car insurance policies and check whether any of them cover hurricane-related incidents. Your car is more exposed to the harsh elements, and a hurricane sweeping through your home can cause serious damage to any of your vehicles.

If you have a policy that covers these types of damage, make sure it’s still active. Otherwise, try to look for a more comprehensive policy that will cover any repairs or replacements you might carry out for your car.

3. Review your home insurance

While many home insurance policies are quite thorough, yours might not provide enough protection from a hurricane. Go over your existing policy to find any gaps in the coverage.

If you find your current policy lacking and want to get more coverage, contact your agent to discuss your options. They might recommend a separate policy to give you the protection you need or update your old one so that it includes hurricane-related incidents.

4. Get a flood insurance

Fooding is one of the most dangerous problems you can find yourself in during hurricane season. If your home is particularly prone, you need to act quickly. Most flood insurance policies require a 30-day waiting period before they go active, so you will need to apply for one well in advance.


Remember, anything can happen during hurricane season. You might get through it unscathed, or you might find your home ravaged by a flood. For that reason, you need to prepare for the worst before the storms arrive, and this means using the tips mentioned above.

That being said, don’t forget to keep track of weather warnings and evacuation routes in your area. You never know when you have to take action to get you and the family out of harm’s way before it’s too late.

Looking for home or car insurance in Florida? Apex Insurance Agency can offer you the protection you require to keep your property and finances safe even in the worst of times. Reach out to us today!

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