Cat4Home Enhanced hurricane protection for your home


Floridians are all too familiar with hurricanes and the disasters they can bring. The last thing any homeowner needs after a hurricane damages their home is to deal with high out of pocket costs. This is why we have decided to offer Cat4Home, a supplemental insurance that serves as enhanced hurricane protection for your home.

Many homeowners do not fully understand their insurance policies when it comes to specifics like coverage for hurricanes. Deductibles for damages caused by a hurricane for example, are different and usually much higher than “standard perils” deductibles. It is not uncommon for a homeowner to have to pay as much as 10% of the home’s value, as a deductible, before the insurance settles a claim. With the average home price in Broward county currently at $295,000, that out of pocket expense could be as high as $29,500!

So, what can Florida homeowners do to significantly reduce this and other hurricane-related out of pocket expenses? The best option is to purchase a supplemental insurance like Cat4Home. This supplemental insurance augments primary policies by providing:


  • Reimbursement up to 100% of homeowner’s policy deductible loss caused by a hurricane
  • Additional coverage for exposures typically restricted or excluded in homeowners’ policies
  • Mandatory Evacuations expense coverage and Generator Rental Expense
  • Flexible Limits
  • Simplified Claim Trigger


Best of all there is no waiting period, coverage begins on the day your premium is received!

Whether your home sustained damages from past hurricanes or not, take it as a lesson learned. Do not wait for “next time”. Contact a Preferred Link agent today to find out more about Cat4Home Hurricane Protection.