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Cat4Home

hurricane evacuation route

Cat4Home covers 100% of your insured’s hurricane deductible. It is written over any personal lines property policy, except mobile homes.

Insurance agents



Business owners

Contact your insurance agent or broker for access.

Appetite:

Cat4Home covers 100% of your insured’s hurricane deductible. It is written over any personal lines property policy, except mobile homes.

Type of risks

Covers the hurricane deductible for personal lines property risks (excluding mobile homes) on dwelling values up to $5 million, with hurricane deductibles from $1,000 to $100,000.

Ineligible risks:

  • Mobile homes
  • Risks located in Monroe County, Florida
  • Risks located on barrier islands with the following exceptions, which require underwriting referral:
    • Amelia Island
    • Anastasia Island
    • Cocoa Beach
    • Gasparilla/
      Boca Grande
    • Indian Harbor/
      Indialantic/
      Melbourne Beach
    • Merritt Island
    • Palm Beach Island
    • Pensacola Beach
    • Satellite Beach
    • Santa Rosa Island
    • Sanibel Island

Geography:

  • Florida and Texas

Submission requirements:

Appointed agents can quote, bind and issue the policy using the Program Administrator’s internet-based policy processing system. The full quote, bind and issue process can be completed in five minutes.

This is a true follow form policy. If the insured suffers a loss from a declared hurricane and the primary carrier applies the hurricane deductible, Cat4Home will reimburse the insured for the loss up to the hurricane deductible limit.

Coverages offered:

Personal Lines hurricane deductible buy back, covering 100% of the insured hurricane deductible up to $100,000

Coverage limits:

$1,000 to $100,000

Admitted or non-admitted:

  • Non-admitted