Windstorm Insurance Quote Forms
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Windstorm Insurance Information
Severe weather and high winds can be among the most serious risks for homeowners and their property. Weather conditions around a home can quickly become dangerous and may even require residents to abandon their homes. Fortunately, windstorm insurance policies can help ensure you have financial protection to address damages or losses caused by a windstorm.
Protecting your home is crucial, especially if you live in areas where flooding or hurricanes are more common, such as Florida. Several types of insurance make up what is classified as hurricane insurance. Your standard homeowners insurance will not cover the damages incurred by a hurricane; as a Florida resident, you must consider separate coverage options to protect your home. At Nolan Family Insurance, we’re here to help you protect yourself and your home from financial burdens.
What Does Windstorm Insurance Cover?
Windstorm insurance is typically included at some level within a standard homeowners insurance policy. This type of coverage casts a wide net of protection which can help pay for lost possessions, restore damaged property and even replace your home.
For coastal homeowners residing in areas where dangerous weather conditions are common, the importance of this type of coverage is even greater. Fortunately, windstorm insurance policies can be augmented and adjusted to provide ample peace of mind and financial security.
How Does Hurricane Insurance Work in Florida?
You will need to purchase separate policies to help cover hurricane damage in Florida. These coverage options include:
The combination of windstorm insurance and flood insurance will help protect your home against hurricane damages to your home that would otherwise go uncovered by your homeowners insurance.
How Much Does Windstorm Insurance Cost?
Windstorm policy deductibles may often be determined by using a percentage of your home’s total insured value. For example, for a policy that requires a 1% deductible, you would have to pay $3,000 out of pocket for a home valued at $300,000.
The cost of premiums and additional coverages are influenced by several characteristics of your home, including:
Typically, higher premiums can help lower deductibles, meaning that policyholders will pay more on a regular basis but will not have to cover as much on their own in the event of damages.
Get the Right Coverage for Your Home
Especially for those living in areas frequently prone to severe weather conditions, windstorm insurance can provide robust protection. These policies can even be enhanced to include coverage for hurricanes.
The agents at Nolan Family Insurance make it their mission to help Florida homeowners in Fort Myers, Sarasota and Punta Gorda by offering comprehensive policies to fit your home’s location and needs. Contact us today to learn more about windstorm insurance or to receive a quote. .