Florida homeowners should review their insurance policies to ensure they understand their coverage before hurricanes threaten the state. Brooke Murrin, an insurance broker with Goosehead Insurance, said many homeowners struggle with understanding their hurricane deductible, which is different from the all-hazards deductible. "So, a hurricane deductible standard in Florida is going to be 2%, not, you know, 1000 or the 2500 that you see," Murrin said.