Homeowner’s insurance doesn’t cover certain natural disasters like flooding and hurricanes. As a result, homeowners who live in areas prone to flooding and other extreme natural disasters need coverage to prepare for and cover these extreme natural disasters. Hurricane preparedness insurance helps homeowners prepare for natural disasters and receive the coverage they need to prepare for the effects of these natural disasters. Our team at Brent Young Agency LLC is committed to helping Manchester, CT homeowners get coverage for natural disasters.
Hurricane Preparedness Insurance
Hurricane insurance doesn’t exist as a separate policy. Instead, additional coverage is added to your existing homeowner’s policy. For example, hurricanes are natural disasters known for high winds and flooding. Hurricane insurance would actually include flood coverage and wind damage coverage added to your homeowner’s policy, which would be referred to as hurricane insurance. Homeowners can also benefit from additions made to their homes to prepare for natural disasters. For example, adjustments can be made to a home to prepare for high winds as a way of preventing wind damage. Also, adjustments can be made to a home to prepare it for flooding as well. In essence, hurricane insurance isn’t an actual separate policy. Instead, it’s both wind and flood riders that can be attached to your current homeowner’s insurance policy.
What is hurricane preparedness insurance, and do I need it?
Hurricane preparedness insurance is actually two separate policies/riders that can be attached to your current homeowner’s insurance policy. Any homeowner who lives in an area prone to flooding, as well as other extreme natural disasters, should invest in this kind of insurance. You can always reach out to a licensed insurance agent for more guidance.
If you have more questions about hurricane preparedness insurance, call us at Brent Young Agency LLC in Manchester, CT. We’d be happy to explore your situation and help you get the coverage you need.