It is a stormy season for areas in the Eastern Seaboard of the United States as they are in the middle of the hurricane season. Generally, the hurricane season starts from early June and lasts until late November. It usually peaks between mid-August and late October.
As of late September, nine storms and hurricanes have made landfall in the United States. It is already proving as one of the most active hurricane seasons on record. There are still nearly two months left in the hurricane season.
No one can deny that hurricanes are destructive powers of nature. Its rain and wind can damage or destroy houses, properties, livestock, and agricultural produce. Your home needs protection.
As of late September, nine storms and hurricanes have made landfall in the United States. It is already proving as one of the most active hurricane seasons on record. There are still nearly two months left in the hurricane season.
No one can deny that hurricanes are destructive powers of nature. Its rain and wind can damage or destroy houses, properties, livestock, and agricultural produce. Your home needs protection.
Protecting Your Home
As a house owner, you must protect your home as it shelters your family during a storm—besides, your house is more than just a piece of property but an investment that you must safeguard. Typically, an American will pay his house mortgage anywhere from 15 to 30 years. On average, he will be paying $1,275 mortgage payment every month for a 30-year payment period while he will pay a $1,751 monthly mortgage for a 15-year payment term.
Hence, it is essential to protect your house by getting homeowners insurance. A standard policy could provide financial coverage to your home, property, and liability if it sustained damages due to storm, fire, wind, or theft.
Does It Cover Hurricane Damages?
In most cases, homeowners insurance policy can cover the expenses associated with hurricane winds and rain damage. Your policy’s dwelling coverage can cover the costs of repairing or rebuilding any structure of your homes, such as the foundation, roof, and walls. But you must ensure that coverage from hurricane winds and rain is in your policy.
However, damages caused by flooding or storm surge brought by a hurricane will not be covered by your policy. You can get flood insurance or get additional coverage to have full protection from any hurricane-related damages.
Some Things To Consider
Conclusion
Many people think that their houses will never be affected by a storm. Do not commit the same mistake. Areas that are previously unaffected by storms are already getting a pounding from hurricanes.
Your home is an expensive investment. It is your responsibility to protect it. And one way of protecting it by providing financial protection through homeowner’s insurance.
At Meyerson-Roth Co Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (516) 432-5800 or Click Here to request a free quote.
As a house owner, you must protect your home as it shelters your family during a storm—besides, your house is more than just a piece of property but an investment that you must safeguard. Typically, an American will pay his house mortgage anywhere from 15 to 30 years. On average, he will be paying $1,275 mortgage payment every month for a 30-year payment period while he will pay a $1,751 monthly mortgage for a 15-year payment term.
Hence, it is essential to protect your house by getting homeowners insurance. A standard policy could provide financial coverage to your home, property, and liability if it sustained damages due to storm, fire, wind, or theft.
Does It Cover Hurricane Damages?
In most cases, homeowners insurance policy can cover the expenses associated with hurricane winds and rain damage. Your policy’s dwelling coverage can cover the costs of repairing or rebuilding any structure of your homes, such as the foundation, roof, and walls. But you must ensure that coverage from hurricane winds and rain is in your policy.
However, damages caused by flooding or storm surge brought by a hurricane will not be covered by your policy. You can get flood insurance or get additional coverage to have full protection from any hurricane-related damages.
Some Things To Consider
- Check if you are residing in a hurricane-prone area. Most insurers in high-risk areas have a separate deductible for damages due to hurricanes. Many insurance companies along the Atlantic coast require homeowners to pay an additional deductible for storms and hurricanes. So, your premium payment will depend on your geographical location.
- Get your insurance policy before the hurricane season. Most insurance companies impose a moratorium in providing policy when a storm is imminent, or the weather bureau already issued a storm warning. Moreover, in some states, there is a waiting period before your policy will take effect.
- If you live in an area vulnerable to flooding, you should consider getting flood insurance together with your homeowner’s insurance to provide better coverage from water damages caused by flooding.
Conclusion
Many people think that their houses will never be affected by a storm. Do not commit the same mistake. Areas that are previously unaffected by storms are already getting a pounding from hurricanes.
Your home is an expensive investment. It is your responsibility to protect it. And one way of protecting it by providing financial protection through homeowner’s insurance.
At Meyerson-Roth Co Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (516) 432-5800 or Click Here to request a free quote.
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