For many people, their home is their most important and valuable asset. If something were to happen to it, the financial fallout could be disastrous. Homeowners insurance guards against losses due to fire, falling objects, vandalism, and more. However, many homeowners are also vulnerable to damage caused by tropical storms and hurricanes, unless they add the proper coverage to their homeowners policy.

Do You Need to Add Hurricane Coverage to Your Homeowners Insurance Policy?

Most basic home insurance policies do not cover flood damage. Moreover, insurers in hurricane-prone coastal states may exclude windstorm damage from their coverage. North Carolina homeowners are at increased risk because hurricane season, which lasts through November, can bring with it flooding and high winds. Windstorms rip off siding and shingles, topple chimneys, and cause tree branches to fall on houses, while torrential rains from hurricanes raise rivers, lakes and seacoasts. However, you can protect your home by making sure your policy has coverage for windstorm and hail and by purchasing a policy to cover against flood.

How to Insure Yourself Against Hurricane Damage

Contact your home insurance agent and ask whether your policy covers you against flood and wind damage. If not, ask for a quote for this additional coverage. In many cases, you’ll qualify for a "multi-line" discount if you purchase these from the same insurer, so the net increase isn’t too burdensome.

If you’re concerned about the potential damage to your home during hurricane season, contact the friendly, helpful insurance brokers at Zimmerman Insurance Agency in High Point, NC. They can help you design a homeowners insurance policy that protects you against high winds, flooding, and other threats that accompany hurricanes and other coastal storms. They’re family-owned and operated and have served clients in and around Guilford County since 1963. They also specialize in business, motorcycle, and car insurance. You can message them online or call (336) 883-6512 to request a quote.