Core Insights - Hurricane insurance is not a standalone policy but a combination of homeowners insurance, flood insurance, and windstorm insurance that provides coverage for various types of hurricane damage [3][5][30] Homeowners Insurance - Standard homeowners insurance typically covers damage from rain and wind but does not cover flooding, which is a common cause of hurricane-related losses [2][4] - Homeowners insurance quotes require information about the property, including its age, roof type, and previous claims [7][8] - Homeowners may consider endorsements for additional coverage, such as protection against sewer backups, which are often excluded from standard policies [9] Flood Insurance - Flooding is generally not covered by standard home or renters insurance, necessitating a separate flood insurance policy [10][11] - Most flood insurance policies are issued through the National Flood Insurance Program (NFIP), which is managed by FEMA [11][12] - NFIP policies last for one year, with a 30-day grace period for claims if renewed [13] Windstorm Insurance - Separate windstorm insurance may be necessary if wind damage is not covered under homeowners insurance, especially in hurricane-prone areas [15][16] - Windstorm coverage can be obtained through endorsements or standalone policies [16] Insurance Deductibles - Home insurance deductibles for hurricane damage can range from 1% to 10% of the home's value, with named storm deductibles assessed as a percentage [19][20] - NFIP deductibles typically range from $1,000 to $10,000 [20] Cost of Hurricane Insurance - The cost of hurricane insurance varies based on multiple factors, with median costs for homeowners insurance at $1,243 and flood insurance through NFIP averaging $786 [27] Insurance Discounts - Homeowners can receive discounts for making their homes more hurricane-resistant, such as elevating the property or installing impact-resistant windows [24][28] Adequate Coverage - It is crucial for homeowners to ensure they have sufficient coverage to rebuild their homes, considering the replacement cost value [32] - Conducting a thorough home inventory is recommended to document personal property, as standard policies may not cover flood damage [33] Additional Living Expenses (ALE) - ALE coverage is included in most homeowner policies but does not cover costs related to flood damage, which may require out-of-pocket expenses [35] FAQs on Hurricane Insurance - Renters insurance typically covers personal property damage from hurricane winds but requires separate flood insurance for flood-related losses [36] - Comprehensive auto insurance is necessary for coverage of hurricane damage to vehicles [38] - Flood insurance can be purchased during hurricane season, but NFIP policies have a 30-day waiting period before coverage begins [39]