Homeowners must understand that standard home insurance policies may not cover losses and damages caused by hurricanes. However, the right combination of additional protections can insulate you from hurricane-related damage. To ensure your home and property are adequately covered, consider the following:
Hurricane deductible—This separate deductible works as a part of your home insurance policy to specifically protect you from damage arising from a hurricane. This deductible may not apply unless the National Weather Service declares a storm to be a hurricane or reaches a specific category level.
Flood insurance—Hurricanes may bring heavy rains or cause damage to water mains that can often result in outside water flooding into your home. This type of policy can protect both the structural elements of your home (e.g., foundations, plumbing and electrical systems, floors, etc.) and your possessions, such as clothing, furniture, electronics and appliances.
Windstorm insurance—This coverage is focused specifically on covering your home and belongings for damage arising from gales, hail and other wind-related hazards. In addition to hurricanes, your policy may protect you from tornadoes, cyclones and other damage from heavy winds.