Buying a home is one of the most important investments you will make, and your home should be protected properly in the event of a hurricane.
The best time to ensure you are covered properly is before a storm heads your way. Once the federal government issues a hurricane watch or tropical storm watch, your insurance company no longer offers additional insurance coverage.
What is Hurricane Insurance?
Actually, hurricane insurance as a specific, separate type of policy doesn’t exist. The term “hurricane insurance” usually refers to a hurricane deductible on a homeowners insurance policy. It is an additional amount that a homeowner must pay before the insurance company will cover the damage or destruction caused by a hurricane.
What is the difference between Hurricane Insurance & Flood Insurance?
Generally, flood insurance covers water coming into your home from off of your property. Hurricane insurance is for wind damage from a storm over 74 mph, not flooding.
During a hurricane, most homeowners insurance policies cover damage caused by wind and rain. Before paying out for damage caused by a tropical storm, insurance companies may impose a separate wind, named storm, or hurricane deductible.
We can assist you in selecting the best coverage at the most cost-effective rate. As your trusted specialists in home insurance, you can rely on us.
Contact the homeowners insurance experts at McShea Insurance to review your home insurance needs.
1645 Falmouth Rd, Bldg D
Centerville, Massachusetts 02632
Phone: (508) 420-9011
Fax: (508) 420-9010