Hurricane Insurance

What Does Hurricane Insurance Mean?

Hurricane insurance is a policy that covers damage and loss to property caused by a hurricane. Coverage for damage from hurricane winds may be included in a homeowner’s policy, but water damage caused by the hurricane may not be covered.

Insuranceopedia Explains Hurricane Insurance

In the U.S., damage and loss caused by a hurricane may be included in a regular homeowner’s policy, specifically for wind damage or loss. However, damage caused by flooding from the hurricane is often excluded and requires a separate policy.

Hurricane coverage typically comes with a deductible, which is a percentage of the property’s value. If the deductible is high, the premium tends to be lower.

Another consideration is whether personal belongings within the property are covered. In most cases, they are covered, but usually only up to a certain percentage of the property’s value.