This year’s hurricane season began on June 1st and will last until November 30th. These destructive storms can have a devastating impact on homes, businesses, vehicles, and lives. Fortunately, there are effective ways to prepare for the heavy rain, strong winds, and floods. Having comprehensive insurance in place is the best way to do so. Here is a helpful guide to the type of coverage you need.

Insurance You Need During Hurricane Season

1. Vehicle

Fallen tree branches and floods can result in extensive damage to cars and trucks. Unfortunately, liability auto insurance only covers damage to other vehicles caused by the policyholder in an accident. If you don’t currently have coverage in place, it’s wise to get a comprehensive plan. The policy pays for the repair and replacement costs inflicted by hurricanes and other natural disasters. Collision coverage should suffice. 

2. Home & Property

Most homeowners insurance policies provide financial protection for a variety of perils, including hurricane damage. The plan will pay for repairs and replacement expenses on roofs, driveways, detached garages, and swimming pools. Items inside the home, like furniture, computers, appliances, and flat-screen televisions are also covered. A comprehensive option should include temporary relocation expenses too. If your house is deemed uninhabitable, many policies pay for hotel stays during structural repairs. 

3. Flood Protection

After a hurricane, flooding can be a major problem. Unfortunately, home insurance does not cover such damage. You will need a separate plan, especially if you live in an area prone to this issue. In certain federally-designated regions, lenders typically require homeowners to secure flood insurance. Have the coverage in place to process claims for extensive property and personal item damage and loss in such a worst-case scenario.

Hurricanes can cause costly and dangerous damage. Protect yourself, loved ones, and your property by securing comprehensive coverage. The Chanler Agency in Geneseo, NY, will tailor a policy to meet your specific needs and regional threats. As an independent firm, the agency can shop for affordable rates from some of the nation’s leading carriers. If you currently have coverage in place, call (585) 243-5520 to have an agent review your insurance policies. Visit the website for free quotes and more information about their products and services.