Hurricane Insurance

Get Home Insurance Quotes
Get Multiple Home Insurance Rates Save $100s in Seconds. Search Now!

Hurricane Insurance
Find a Policy in California. We Can Help - Find an Agent Today!

Hurricane Insurance
Auto, Home, Health, Life & Business Get Quotes for Your Insurance Needs

Protecting Your Home from Tropical Storms

Around the globe hurricanes have destroyed homes and left cities in ruins. Since the 2004 hurricane season, it is apparent that this natural disaster certainly won't be slowing down any time soon, but luckily, hurricane insurance is available to the masses. Though this sounds like a bargain, most people do not realize that homeowners insurance policies do not offer this sort of coverage. In most cases, additional insurance has to be purchased.

In simple terms, a hurricane is a tropical storm with average winds of 74 miles per hour. That's right - it is not a pretty sight. They generally blow in large spirals, with a calm center in the middle. This is referred to as the "eye" of the storm. Astonishingly, the "eye" can actually span 30 miles wide. Hurricane season runs from August to September, with most storms occurring between June 1st and November 30th. Fortunately, not all areas are affected. Typically, the coasts of the Atlantic Ocean and the Gulf of Mexico are most affected.

Despite the fact that most people assume there is only one type of hurricane, they are actually categorized. A tropical depression, for instance, is a system of clouds and thunderstorms that is relatively common. It usually has sustained winds of 38 mph or less. While this sounds like a frightening storm, it does not cause much damage.

A tropical storm, on the other hand, is a bit more accelerated. Similar to a tropical depression, this type of storm has sustained winds of 39 mph to 73 mph. Again, while it is larger in size, it does not leave the excessive damage a hurricane would. Known for its intensity, a hurricane has sustained winds of at least 74 mph. Not only are they the deadliest and most hazardous, but they cause the most property damage.

Contrary to popular belief, hurricane insurance cannot be found under its name. Instead, agencies offer policies for water and flood damage. After all, this is the damage that is left after a hurricane. For this reason, you may have to find a separate insurance company that is willing to satisfy your needs. Before purchasing, make sure to read the fine print. Although additional policies on water damage are encouraged, you will want to know that you'll be protected, no matter what happens. Nonetheless, consulting an insurance agency may be your best bet.

When you do find a great policy, it is imperative to take a close look at your deductible. Normally, it doesn't focus on the amount of your loss. Rather, it is based on the percentage of the insured value of your home. In this case, it is recommended that you put money aside that will equal your deductible. In many cases, homeowners need additional funds because it doesn't always cover every loss.