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

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.



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.



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.

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 to make 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!