Miami, FL -- (SBWIRE) -- 10/09/2018 -- Most standard policies cover a quartet of things: the home's structure (also referred to as the dwelling), detached units such as a garage, a homeowner's belongings (or personal property), and living expenses should the homeowner be displaced. When it comes to personal property coverage, most policies will only provide coverage for a definite amount. Homeowners may wish to add more coverage if they have a significant amount of big-ticket items, though this may also mean having to pay more.

There is a possibility that a policy may have a separate deductible precisely for hurricanes. This deductible (which may also provide coverage for damage caused by wind or hail) is generally one to five percent of a home's value. It is imperative to keep this in mind as it may require the homeowners to pay thousands out of pocket.

With the amount of flooding caused by Hurricane Florence, it bears reminding that most standard policies do not provide flood damage coverage. Homeowners that have a mortgage on their home and live in a flood zone most likely already have flood coverage but for everyone else, it's something to strongly consider.

This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.

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