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Windstorm Insurance Information
Hurricane insurance can be important for safeguarding homeowners and businesses located in regions prone to hurricanes. Hurricane insurance can provide a critical layer of protection by helping to cover the costs of repairing or rebuilding damaged structures, replace personal belongings and cover additional living expenses after a covered event. With adequate hurricane insurance, individuals and businesses can help mitigate the financial burden and stress associated with hurricane-related losses, ensuring a faster recovery and a greater sense of security.
What Is Hurricane Insurance?
Generally, hurricane insurance is not a specific, standalone policy. Instead, “hurricane insurance” typically refers to a combination of insurance policies, such as flood insurance, windstorm insurance and homeowners insurance, that can help financially protect against the risks of hurricanes and related damages.
What Does Hurricane Insurance Cover?
The typical coverages associated with hurricane insurance may cover damages and losses caused by hurricanes and related perils. While specific coverage may vary depending on the insurance provider and policy, the following are some common elements available for a hurricane insurance plan:
- Homeowners insurance may help pay for damages to your home, other structures and personal property, in accordance with your policy. Depending on where you live, you may be required to have a specific hurricane deductible that would apply to certain hurricane-related property damages.
- Flood insurance may help pay for flood-related damages after a hurricane. Such damages are typically excluded from a standard homeowners policy, making flood coverage vital to protect against hurricanes.
- Windstorm insurance may help pay for damages related to high winds, often present during hurricanes.
Depending on where you live, it’s important to note that certain hurricane-related coverages may be required or strongly encouraged.
Contact Bruening Insurance today to discuss your insurance needs and get a policy quote.