Homeowners insurance offers peace of mind, but when a storm hits, will your policy deliver the protection you expect? Many homeowners in Brewton assume they’re covered for every kind of damage, but gaps in protection can leave you vulnerable when it matters most.
Here’s what you need to know about what home insurance typically covers—and what it doesn’t.
1. Wind Damage Is Usually Covered
Damage from high winds, falling trees and flying debris is usually included in most standard homeowners insurance policies. This is especially important during hurricane season when wind is one of the most destructive forces.
2. Water Damage Depends on the Source
If your roof is damaged during a storm and rain gets in, that’s likely covered. However, if rising water from outside floods your home, that’s not. Flood insurance requires a separate policy, even if the flood is caused by a hurricane or tropical storm.
3. Your Belongings Are Protected—Up to a Limit
Personal property like furniture, electronics and clothing is usually covered, but there’s a cap on high-value items like jewelry, art or collectibles. Make sure your policy reflects the true value of your belongings or consider adding endorsements to increase protection.
4. Additional Living Expenses Can Help
If your home becomes uninhabitable after a storm, many policies include loss of use coverage to help pay for hotel stays, meals and other temporary expenses while repairs are underway. It’s worth double-checking this section of your policy before a storm rolls in.
5. Liability Coverage Offers Extra Protection
If someone is injured on your property or you accidentally cause damage to someone else’s property, your liability coverage steps in. It’s an important part of your homeowners policy that many people overlook.
6. Not All Policies Are the Same
Coverage can vary widely between companies and policy types. At Horton’s Insurance Agency, we work with a wide range of top insurance carriers to match you with the best protection for your needs.
Stay Informed, Stay Covered
Knowing what your homeowners insurance does and doesn’t cover can help you avoid stress when a storm hits. The best time to review your policy is before hurricane season starts—not after damage occurs.
