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Hurricane Insurance: What Homeowners and Renters Should Know..

Tropical storms and hurricanes can cause major property damage. If you live in an at-risk area, be sure your home is protected.

Peak hurricane season runs from mid-August to late October, according to the National Oceanic and Atmospheric Administration. As a homeowner or renter, you may wonder, “Do I have enough insurance protection to withstand a potential hurricane?”

Unfortunately, you might not want to hear the answer.

 Don’t wait until a storm is in the forecast to think about insurance. Call your insurance provider now and get to know the details and limits of your policy.

Throughout hurricane season and beyond, you want to have peace of mind that your investment is fully protected.

If you’re a homeowner

Like any responsible homeowner, you’ve got a standard homeowners insurance policy. And even though most policies offer a wide range of protections, hurricanes may only be partially covered.

When purchasing a home insurance policy, you want enough dwelling coverage to completely rebuild your home if it is destroyed by a covered peril. Remember, this is the cost to rebuild your home, which isn’t the same as what you originally paid to purchase it.

Not sure if you have enough dwelling coverage? Use a home insurancecalculator to help estimate your home’s replacement value and then compare it to the amount of coverage on your policy.

If you’re a renter

If you live in an apartment, your building is likely covered by your landlord’s policy. It’s up to you, however, to purchase protection for the items in your apartment.

The perils covered by your policy depend on your specific policy and provider. Generally, wind, lightning and hail damage — all common during hurricanes — are included as covered perils. Water damage, however, can be a different story.

For more information on how to protect your home and your family before a storm, check out this hurricane disaster guide.

BY HOMEINSURANCE.COM ON 2 SEP 2016

By Samantha Alexander