On a $500,000 Florida home, 2%, 5% and 10% hurricane deductibles mean $10,000,...

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On a $500,000 Florida home, 2%, 5% and 10% hurricane deductibles mean $10,000, $25,000 or $50,000 upfront. See how a collateral loan or selling a Rolex may bridge the gap—and why to schedule valuables and keep policy documents in the cloud.