Contact Us: ​(409) 945-4746
Brad Spurgeon Insurance Agency Inc.
  • Home
  • Quotes
    • Home Insurance Quote
    • Flood Insurance Quote
    • Windstorm Insurance Quote
    • Other Quotes >
      • Auto Insurance Quote
      • Business Insurance Quote
      • Life Insurance Quote
      • Condo Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Terms of Use
    • Privacy Policy
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Home Insurance
    • Flood Insurance
    • Windstorm Insurance
    • Other >
      • Auto Insurance
      • Business Insurance
      • Life Insurance
      • Condo Insurance
      • Landlords Insurance
      • Renters Insurance
      • Boat Insurance
      • Builders Risk
      • Umbrella Insurance
  • About
    • Staff Directory
    • Our Partners
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Newsletter Signup
    • Careers
    • Refer a Friend
    • Blog
    • News
    • Reviews
    • Videos
  • Contact
  • Home
  • Quotes
    • Home Insurance Quote
    • Flood Insurance Quote
    • Windstorm Insurance Quote
    • Other Quotes >
      • Auto Insurance Quote
      • Business Insurance Quote
      • Life Insurance Quote
      • Condo Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Terms of Use
    • Privacy Policy
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Home Insurance
    • Flood Insurance
    • Windstorm Insurance
    • Other >
      • Auto Insurance
      • Business Insurance
      • Life Insurance
      • Condo Insurance
      • Landlords Insurance
      • Renters Insurance
      • Boat Insurance
      • Builders Risk
      • Umbrella Insurance
  • About
    • Staff Directory
    • Our Partners
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Newsletter Signup
    • Careers
    • Refer a Friend
    • Blog
    • News
    • Reviews
    • Videos
  • Contact

Agency Blog

What Exactly Is Windstorm Insurance On A Homeowner’s Insurance Policy?

2/20/2023

0 Comments

 
Picture
​Suppose you live somewhere prone to natural disasters like hurricanes. In that case, it’s important to understand the aspects of windstorm insurance in addition to your homeowner’s insurance policy. One of the main disasters usually covered by homeowners’ insurance is wind and hail, which are due to extreme disasters like hurricanes and tornadoes.

This article will discuss the definition of windstorm insurance in addition to your typical homeowner’s insurance policy.
Windstorm Insurance Definition
Usually, most home insurance policies could cover the damages due to windstorms. But the coverage for wind damage isn’t always guaranteed, as this can also depend on your address. Your existing home insurance policy may need a separate windstorm policy.

Some regions have insurance providers that restrict windstorm insurance inside a homeowner’s insurance policy. Instead, they can require you to supplement your home insurance with an additional windstorm policy.

Windstorm Insurance Coverage
The usual types of windstorm insurance can possess five types of coverage. These types have a limit of liability. The liability limit is the most that your insurance provider can pay when you file a claim. Below are the five types of windstorm insurance coverage.
  1. Personal Property Coverage
    Personal property coverage can cover items that fall under your personal belongings. These include furniture, electronics, appliances, and clothing. The limit of this coverage can usually be as high as 70%.

  2. Dwelling Coverage
    This coverage can cover your home plus the attached structures, such as the garage. The cost limit is typically the same as your home replacement cost or can be equal to the expenses to rebuild the structures from scratch.

  3. Loss of Rent Coverage
    If you own property that you use as a source of income by renting it to other tenants, this type of coverage can pay you back for the loss of rent if windstorm damage makes the tenants unable to stay in your property.

  4. Loss of Use Coverage
    If it’s not possible to stay in your home due to windstorm damage, this can aid you with the expenses of staying in a hotel and other living expenses while your home is being rebuilt.

  5. Other Structures Coverage
    This coverage can cover the property that isn’t attached to your home, which is damaged by windstorms. These can be fences, an external garage, a shed, or other things. Other structure coverage usually only has a 30% cover limit.

Conclusion
Understanding the many aspects of windstorm insurance is essential when living in an area prone to such disasters. It’s also important to know whether your current homeowner’s insurance policy is enough to protect you from windstorm damage or if you need to purchase additional windstorm insurance for protection.

At Brad Spurgeon Insurance Agency Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (409) 945-4746 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!
0 Comments



Leave a Reply.

    CONTACT US
     (409) 945-4746​ 
    1118 14th Street N
    Texas City, TX 77590
    Click Here to Email Us

    Archives

    February 2023
    January 2023
    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    November 2016

    Categories

    All
    Auto Insurance
    Boat Insurance
    Business Insurance
    Condo Insurance
    FAQs
    Financial
    Flood
    Flood Insurance
    Home
    Home Insurance
    Insurance
    Life Insurance
    Local
    Safety
    Umbrella Insurance
    Windstorm
    Windstorm Insurance

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login
Review Us

Social Media

Newsletter Signup

Share This

Texas City Office

Brad Spurgeon Insurance Agency Inc.
1118 14th Street N
Texas City, TX 77590
(409) 945-4746​
Click Here to Email Us

Galveston Office

Brad Spurgeon Insurance Agency Inc.
​335 Westerly Dr
Galveston, TX 77554

(409) 877-7755​
Click Here to Email Us
Website by InsuranceSplash