If you live in an area that experiences hurricanes, you might want to consider hurricane insurance. Hurricanes and tropical storms leave devastation behind. These weather events are rare in many parts of the United States, but in some areas they are more likely. If you live in one of those areas you should seriously think about getting a policy.

Compensation for Damages

Hurricane policies help homeowners with costs associated with wind or hail damages caused by a storm. This includes damage to landscaping, outdoor structures, and the interior and exterior of the home. Most of these policies don’t pay for flood or water damage. They only honor claims if the storm was recognized as a hurricane or tropical storm by scientific authorities.


Hurricane insurance is specifically for hurricanes and tropical storms. Houses within a few miles of a coastline probably are the best candidates for this coverage. This coverage is also useful for homeowners who have valuable external buildings and landscaping features on their property.

The Benefits

Hurricane insurance paired with other insurance policies can provide complete home coverage. This is beneficial for people who live in high-risk areas. You might be able to save money on your policy by reinforcing your home against storm damage. Talk with an insurance agent for more information.