Home Storm Insurance: Protect Your Property

Is your home protected against severe weather? Standard homeowner’s policies often have gaps in coverage, especially in areas prone to strong winds and hailstorms. Understanding your risk is key.

At Harbor Insurance Agency, we offer specialized home insurance coverage designed to protect your property from severe weather events. If you live in a region with strong winds and frequent hailstorms, we can help you find the insurance coverage that meets your needs. We partner with numerous insurance companies to provide competitive prices and ensure you get the hail coverage you deserve.

Why Comprehensive Protection Is Essential

Strong winds, hail, and other weather-related events can cause significant damage to your home. Even moderately high winds can lead to wind damage. These events often lead to costly repairs that basic policies do not fully cover. Comprehensive wind and hail insurance coverage protects you from:

• Roof damage, siding damage, and other cover damage resulting from high winds, flying debris, and fallen trees.
• Broken windows caused by wind pressure or hail.
• Structural damage to your home’s foundation, walls, and support beams because of severe weather.
• Water intrusion and subsequent mold growth because of wind-driven rain.
• Damage to outbuildings and detached garages.

We will look at your needs to see if a standalone policy or an addition to your home insurance is best for you. We make sure filing a claim is as easy as possible so you can repair or replace damaged property quickly.

Understanding Deductibles

Many windstorm insurance policies have a higher deductible based on a percentage of your home’s insured value. Knowing your deductible is critical before storm damage occurs.

For example:

🏠 Home Insured for $300,000

📌 2% Storm Deductible → $6,000 out-of-pocket cost

Choosing the right deductible helps balance upfront costs with comprehensive hail coverage. Your insurance agent can guide you through this decision.

Factors That Affect Insurance Costs

The price of wind and hail insurance depends on several factors, including:

• Your Location: Areas with frequent strong winds, or a history of wind and hail damage typically have higher premiums. Coastal regions and areas prone to tropical storms are particularly vulnerable.
• Roof Age & Materials: Newer roofs, especially those made of impact-resistant materials, may qualify for discounts. Older or less durable roofs might increase costs.
• How Builders Build Your Home: Builders build homes to high standards. They design them to resist high winds, which usually lowers insurance costs.
• Claims History: A history of wind or hail claims at your address can affect premiums.

We can help you understand your risks and find the most affordable policy that meets your needs.

Does Homeowners Insurance Cover Wind & Hail Damage?

Coverage varies depending on your policy’s specifics. Some policies exclude damage from wind and hail entirely, especially in high-risk areas. If your policy excludes wind or hail, you’ll need a separate wind and hail insurance policy. Even if you have coverage, a high deductible for storm claims can lead to substantial out-of-pocket costs.

📌 Are you interested in a policy evaluation? Contact us to get a free check that will determine if you need additional coverage. You may also need personal property coverage, depending on the damage to your home.

State Programs

Certain states offer specialized insurance coverage programs in high-risk coastal areas. You may be eligible for a policy from the North Carolina Insurance Underwriting Association (NCIUA). This depends on your location in North Carolina. People often refer to it as the “Beach Plan.”

In South Carolina, the Carolina Insurance Underwriting Association NCIUA provides similar coverage. The offerings for your property depend on your location in your state.

If you’re using a state plan, we can help you understand:

• Requirements for coverage
• Coverage limits
• Available private market options

Understanding Wind & Hail Policies

Understanding the specifics of your wind and hail insurance policy is important. These policies generally cover wind-related damage from storms, tornadoes, and hail.

Why You Also Need Flood Insurance

Standard wind and hail insurance typically does not cover flooding or storm surge. A separate flood insurance policy is essential for comprehensive protection.

📌 Learn more about flood insurance and how it protects your home from water damage. Knowing you have the right coverage will help you sleep better at night.

Saving Money

Many homeowners save money by bundling their windstorm insurance with home and auto insurance. We can help you find the best bundling options to maximize your savings.

Get a Free Quote Today

Avoid waiting for the upcoming storm to arrive. Contact Harbor Insurance Agency today for a free quote. Ensure you possess adequate insurance for wind and hail damage.

• Compare different insurance companies
• Find a policy that fits your budget
• Protect your home from severe weather

📌 Request a Free Quote Now