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Hurricane insurance is a type of insurance coverage that protects against damage and losses caused by hurricanes. It is typically offered as an endorsement or rider to a standard homeowners insurance policy or as a separate policy altogether, depending on the insurance company and where you live. 

Hurricane insurance is particularly important for homeowners and businesses located in hurricane-prone areas.

What is covered under hurricane insurance?

Hurricane insurance covers damage to your home and other structures on your property caused by strong winds associated with hurricanes. Most policies include coverage for removing debris, such as fallen trees and other debris, resulting from a hurricane.

If your home is uninhabitable due to hurricane damage, hurricane insurance may cover the additional living expenses you incur while temporarily living elsewhere. This can include the cost of temporary housing, meals, and other related expenses.

Does homeowners insurance cover hurricane damage?

Most homeowners insurance policies generally provide coverage for damage caused by strong winds, including hurricanes. However, your policy might include a separate deductible specifically for hurricane-related damage. This hurricane insurance deductible often exceeds the standard deductible in your policy and might be calculated as a percentage of one or more of your coverage limits. 

Not all standard home insurance policies automatically include coverage for windstorms, so contact your insurance company to determine if this coverage is included in your policy or if a separate deductible applies.

Does renters insurance cover hurricane damage?

Yes, renters insurance covers hurricane damage to personal belongings and can even help to reimburse for any additional living expenses incurred if the rental home is rendered uninhabitable by hurricane damage. 

Renters insurance covers hurricane-related perils such as wind and hail, which can cause damage to personal property. However, it does not cover flood damage caused during a hurricane.

Understanding hurricane deductible

A hurricane deductible is the amount that policyholders must pay towards a home insurance claim before their insurance company will cover the remaining costs. This specific type of deductible applies to damage caused by hurricanes or windstorms.

A hurricane deductible varies depending on the individual insurance policy. In some cases, it may be a fixed dollar amount set by the insurance company. For example, if the deductible is $1,000 and the total claim amount is $10,000, the policyholder would pay the first $1,000, and the insurance company would cover the remaining $9,000.

In other cases, the hurricane deductible may be calculated as a percentage of the home’s coverage amount. For instance, if the coverage amount is $200,000 and the deductible is 2%, the policyholder would have to pay $4,000 (2% of $200,000) before the insurance coverage kicks in.

States where a hurricane deductible applies

Here is a list of states where hurricane deductibles apply

  • Alabama
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Mississippi
  • New Jersey
  • New York
  • North Carolina
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Texas
  • Virginia
  • District of Columbia

Do you need both home and flood insurance for a hurricane?

When it comes to protecting your home during a hurricane, having both home insurance and flood insurance can be beneficial. Home insurance typically covers damage caused by wind, such as roof damage or structural damage, while flood insurance specifically covers damage caused by flooding.

Standard home insurance policies usually do not cover flood damage. Flooding can occur even during a hurricane, and it can cause significant damage to your property, including water damage to the structure, possessions, and personal belongings.

To ensure comprehensive coverage, it is recommended to have both home insurance and flood insurance in place. Home insurance will protect against wind damage, while flood insurance will provide coverage for any flood-related damage.

Final thoughts

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% to 5% of a home’s insured value.

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.

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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.