Windstorm Insurance

Protecting Your Home From High Winds: Windstorm Insurance

Strong storms, like hurricanes and tornadoes, can bring devastating winds that exceed the coverage limits of standard homeowners insurance. To protect yourself from the financial consequences of such events, consider adding windstorm insurance to your policy.

What Does Windstorm Insurance Cover?

• Damage to your home: Covers damage to the structure of your home, including the roof, walls, and windows.
• Damage to personal belongings: Protects your furniture, electronics, and other personal items within your home.

Is Windstorm Coverage Included in My Home Insurance?

• May not be automatic: Windstorm coverage is often not automatically included in standard homeowners insurance policies.
• Can be added as a rider: You can usually add windstorm coverage to your existing policy as an endorsement.
• Separate policies may be necessary: In areas prone to high winds (like coastal regions), you may need a separate windstorm insurance policy.

Important Considerations:

• Flood vs. Wind Damage: Windstorm insurance typically does not cover damage caused by flooding, even if the flood is a result of the storm.
• High Deductibles: Windstorm coverage often has a separate and higher deductible than other parts of your homeowners insurance policy, especially in hurricane-prone areas. This deductible may be a percentage of your policy limit.
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If you live in an area susceptible to high winds, it's crucial to review your homeowners insurance policy and discuss your coverage options with our agents.

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