Having windstorm insurance may make your life smooth after the storms as it provides aid to the person that holds insurance. The policy ensures that your properties, possessions, and accommodation should be catered to after the disaster.
- Dwelling Coverage
The dwelling coverage may cover your lodging and the connected buildings, like a patio, deck, and garage. The dwelling coverage should cover the amount it would charge to help you rebuild the construction from the ground up or the home replacement cost value.
- Other Structures Coverage
The other structures' coverage may cover premises not attached to your lodgings, such as detached fences, garages, gazebos, and sheds. This should cover at most 30% of the dwelling coverage limit.
- Personal Property Coverage
This coverage may secure your possessions, such as clothes, gadgets, electronics, and furniture. Its coverage limit should be as high as 70% of the dwelling coverage. The policy may give lower liability limits for high-end items like art and jewelry.
- Loss of Rent Coverage
The loss of rent coverage may compensate you for lost rental income if you lease your properties if a windstorm damages and makes your rental property unlivable. This coverage may also help your tenants relocate while the property is being repaired.
- Loss of Use Coverage
The loss of use coverage might be spent on your accommodation. At the same time, your home is being repaired or rebuilt, including meals, hotels, and other living expenses if your lodging got severely ruined or uninhabitable because of the windstorm.
Windstorm insurance focuses on repairing the physical damages caused by disasters such as hailstorms, hurricanes, severe thunderstorms, tornadoes, and tropical storms. The insurance covers properties, rent, personal belongings, and accommodation to ensure the safety and properties of the policyholders.
At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE. 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!