Home Home insurance Disasters What is hurricane insurance? What is hurricane insurance? By Barbara Marquand | Posted on September 28, 2012 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. There really is no such thing as “hurricane insurance” — a single policy you can buy to cover damage to your home. Instead, a combination of home insurance, flood insurance and, in some cases, separate windstorm coverage provide protection if you live in hurricane country. Standard home insurance doesn’t cover damage from floods. You must buy a separate flood insurance policy to protect your home against any type of flood, whether it happens during a hurricane or other event. In most areas of the country, standard home insurance policies cover damage from wind. But in some coastal areas, home insurance policies exclude wind or wind-blown water damage, so you must buy a separate windstorm insurance policy to get protection. Meanwhile, home insurance in some states may include separate deductibles for damage due to hurricanes or windstorms. These deductibles typically range from 1 percent to 5 percent of a home’s insured value. Home insurance policies widely, so it’s important to read your policy to understand the coverage, deductibles and exclusions. Talk to your insurance agent to make sure you have enough protection. For more, see How hurricane insurance works. QuickTake How to hire a public insurance adjuster after a disaster Does homeowners insurance cover a total loss to your house? Is earthquake insurance worth it? Wildfires and home insurance: What you need to know How climate change is increasing your insurance rates The 10 costliest wildfires Fracked! Are you covered for man-made earthquakes? How to reduce the impact of tornadoes Hurricanes and home insurance: 14 key questions answered How to prepare for a hurricane Earthquake insurance basics When will FEMA buy your damaged home? 5 things you should know about FEMA's Individual Assistance Program What is the chance that a U.S. home owner will file an insurance claim for fire? Why won't Californians buy earthquake insurance? See more > In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home Insurance Discounts Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles What is HO-6 insurance? By Shivani Gite Are landlords responsible for tree damage to your car? By Casey Bond Can my homeowners insurance get canceled because my house is empty? By Nupur Gambhir Does homeowners insurance cover laptop or computer damage? By Mark Vallet Does homeowners insurance cover car damage? By Nupur Gambhir Are drones covered by homeowners insurance? By Geoff Williams