Does homeowners insurance cover hurricane damage?

August 29, 2012

Does homeowners insurance cover hurricane damage?

Photo Credit: NASA Goddard Photo and Video (Creative Commons)

As Hurricane Isaac hit land, many homeowners were asking themselves a very important question: does my homeowners insurance policy cover damage caused by hurricanes?

Thankfully, we have good news to share with you. Most standard homeowners insurance policies do cover a hurricane’s primary destructor: wind damage, including damage to both the structure and personal possessions.

Still, it’s a good idea to check with your insurance agent to make sure your covered in the event of a hurricane.

One thing a standard homeowners insurance policy does not cover that is usually associated with a hurricane is flood damage. For more information, check out the post we wrote earlier this month about flood coverage and homeowners insurance.

Does my car insurance policy cover hurricane damage?

Another question we hear often is whether or not a car insurance policy will cover damage from a hurricane. The answer is that it depends.

Damage to cars from wind and flooding is covered under the comprehensive portion of an auto insurance policy, which is an optional type of coverage. If your auto insurance policy does not included comprehensive coverage, damage caused by a hurricane or other “Act of God” will not be covered.

Contact Burkhart Insurance Agency to find out if your homeowners and auto insurance policies cover hurricane damage. Better safe than sorry.

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