If you live in an area with a high risk of storms and hails, you may want to consider getting windstorm insurance. This type of insurance is created to cover your home if it is damaged by hail or storms. You can add it to your existing home insurance or purchase it separately. If you have never heard of this insurance before but want to consider buying it, here are answers to the most common questions about it:
What Does Windstorm Insurance Cover?
A standard windstorm insurance policy includes five types of coverage. They are dwelling coverage (covering the home itself and other structures attached to it), other structures coverage (covering other structures on the property), personal property coverage (covering any personal belongings), loss of rent coverage (reimbursing for the loss of rent), and loss of use coverage (paying for hotel stays, restaurant meals, and other additional expenses if a home is being repaired or rebuilt).
How Do You Know If You Need Windstorm Insurance?
As mentioned above, it depends on the area you live. There are coastal communities in certain states where hail and wind might be excluded from your standard home insurance. That is why you need windstorm insurance to protect your property. Texas is one of these states.
How Can You Get Windstorm Insurance?
There are three different ways to purchase windstorm insurance. The first is to add windstorm coverage as an endorsement to your existing home insurance. The second is to purchase it as a separate policy. Finally, your state administers an insurance pool.
If you live in League City, TX, or any other nearby area and are searching for windstorm insurance to ensure that your home is well protected in case of a storm or hail, ACU Insurance Services is the local insurance agency that will be happy to assist you. If you need help finding the right policy, feel free to reach out to ACU Insurance Services, which serves clients in League City and other surrounding areas.
