There is no way to prevent nature, but being prepared for a hurricane or other natural disaster can help you protect not only your home, but you and your loved ones as well. Talk to your agent and review your policy now, so you are well-informed if a storm should occur. Be safe and be prepared. Consider purchasing additional coverage, such as flood insurance, which is not covered under your Homeowners policy. Review your annual hurricane deductible, which is typically 2-5% of the insured value of your home. Check to see if you have actual cash value or replacement coverage for your belongings. Actual cash value coverage pays only the depreciated value of your property. Make sure that your level of coverage is adequate to replace your home. Keep your policy documents safe. Place copies of your policy in your safe deposit box or leave them with an out-of-town relative. Ask questions. Have your agent explain how your coverage works, so you can feel comfortable with how it will fit your family's needs.