Is Hurricane Damage Covered By Home Insurance?

​Home insurance covers casualties or losses and damages to an individual's house and assets in the home. This insurance is what most lenders usually will require you to have. Whether your property is new or old, fire, hurricanes, floods, burglary, and other mishaps might occur. 

Home insurance may include coverage for your:

• Home's structure
• Your dwelling
• Loss of use
• Personal assets
• Liability coverage for accidents at home or within your insured territory
• Medical expenses if someone got hurt in your home

How Home Insurance Can Cover Hurricane Damage
That's right; your standard home insurance may cover damages caused by strong winds, including hurricanes. Here's how home insurance protects you from this event:

Dwelling coverage: Your home insurance includes coverage for your home's structure and personal assets. If a hurricane damages your home, the dwelling coverage included in your insurance may cover repair costs subject to the policy limits.

Personal assets: Similarly, property coverage may reimburse you for any lost or damaged property if your assets or possessions are harmed or destroyed due to the hurricane.

Additional living expenses: If the hurricane damages your home and you cannot live and do certain activities like cooking, then the additional living expenses coverage, which is also included in your policy, may cover your lodging, meals, as well as other living costs.

Although it may seem like your home insurance covers every hurricane damage, there are still some things to remember. Not all standard home insurance policies can cover damage caused by wind storms or hurricanes. 

Your policy may also have a separate deductible for hurricane damage which may be greater than your policy's standard deductible. This is why it is important that you carefully do your research and check with your insurer to see if you are protected and whether a different deductible applies.

Bottom Line
As soon as you commit to owning a home, it would be best to start looking for home insurance. This will enable you to compare prices, inclusions, and exclusions, as well as learn about your home, before finalizing the purchase. To ensure everything is handled well, the best action is to speak with your insurance company to determine whether their provided plan satisfies your demands.

At Family Auto Insurance Agency, we strive to provide our clients with affordable and comprehensive policies. We will always go all out to satisfy your demands. To learn more about how we can assist you, don't hesitate to contact us at (313) 285-9042 or CLICK HERE to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!