Hurricane Season Begins June 1st. Are You Covered? Talk with your agent and review your insurance policy now, before the storm. Make sure your insurance coverage matches the value of your home. Consider purchasing additional coverage, such as flood insurance, which is not covered under your Citizens policy. Although flood coverage is not included in your Citizens policy, you can purchase it through the National Flood Insurance Program. 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. Verify that your policy information is correct. Make sure your mortgage company information accurately appears on your policy. Keep your policy documents safe. Place copies of your policy in your safe deposit box or leave them with an out-of-town relative. Try to have pictures or a video recording of your home and belongings. Take Citizen's Hurricane Preparedness Quiz.