How do I Insure My House for Hurricanes?

Insuring a private residence during hurricane season only requires attention to your existing home owners policy. You want to make sure that your building and content limits are correct and understand your deductibles as some policies will have a seperate wind/hail deductible. The deductible can range from a flat $500 upto 5% of the total insured building value.

Another coverage that can be beneficial should you be affected by a hurricane are the limits to stay in a hotel if the home becomes uninhabital. This is something that should be covered with your insurance agent.

Of course flood is rarely covered under any home owner’s policy and therefore should be purchased seperately, usually through FEMA via your insurance agent. It is extremely important to have this in place before a disaster strikes as there usually is a 30 day waiting period before the policy takes effect.

These are only a few hurricane considerations in regards to having insurance during hurricane season and it is always best to call your home insurance company to discuss further options and details.

Thanks for the question.

Category: Property Insurance