Does Homeowners Insurance Cover Hurricane Damage?

This article discusses whether homeowners insurance covers hurricane damage and provides advice on how to protect your home and family after a storm with the right insurance policies. The article explains what basic homeowners insurance covers, including dwelling, other structures, personal property, and liability, and notes that depending on your policy, hurricane damage to these items could be covered. However, most basic policies do not cover flooding or wind damage, which are common elements of hurricanes. Therefore, homeowners in flood-prone regions are left to rely on a combination of standard homeowners insurance policies and additional insurance policies, such as flood insurance, to strike the right balance of coverage. The article also touches on other insurance considerations, such as temporary relocation or alternate living expense coverage and hurricane or "named storm" deductibles. Finally, the article recommends seeking the help of local insurance agencies to find the policies that are right for you and your household.