Hurricanes can devastate entire cities and coastlines, potentially leaving trails of destruction and hardship in their wake. Some of the most damaging natural disasters in U.S. history have been hurricanes, many of which have occurred in recent years. Given these potential consequences, homeowners should strongly consider investing in hurricane insurance.

What Is Hurricane Insurance?

Hurricane insurance is a specialized type of property coverage that can make all the difference in the wake of powerful tropical storms. Hurricane insurance may be acquired either through endorsements added to existing policies or separate policies. Adequate hurricane insurance often consists of the following components:

• Flood coverage—Hurricanes often cause significant flooding, and such perils are typically excluded from standard homeowners insurance.

• Windstorm coverage—The gales of hurricanes can inflict devastating damage, and such losses may not always be included in standard policies for those in areas at high risk of hurricanes.

What Does Hurricane Insurance Cover?

Hurricane insurance can be critical in securing your financial interests when crafted appropriately. While policies may vary, comprehensive hurricane insurance coverage may assist with losses and expenses involving the following:

• Structures—This could include the foundations, roof, walls, windows and attached fixtures of your home.

• Contents—Electronics, furniture, clothing and other valuables may also be covered up to policy limits.

• Loss of use—In some cases, you may also be able to recoup resulting costs if a hurricane damages your home, and you require alternative accommodations.

What Is Not Covered by Hurricane Insurance?

Limitations and exclusions can vary significantly depending on your insurance carrier and your policy details. Specifically, you may want to consider your policy limits and waiting periods. Many forms of insurance related to hurricanes have a waiting period of at least 30 days before coverage is activated. Getting hurricane insurance well in advance is essential, as waiting until a storm is on the horizon could mean you won’t be covered for impending losses. You should also be aware that hurricane insurance may include a separate deductible.

We’re Here to Help

To work with qualified and knowledgeable local hurricane insurance agents, contact Mr. Auto Insurance today. Our dedicated team can help you explore options and compare hurricane insurance quotes. Contact us today to get started.