Definition - What does Storm Insurance mean?
Storm insurance refers to the insurance coverage against losses to property and persons caused by storms. Windstorm insurance is a subset classified as a casualty-property insurance that provides protection to persons and property against the damages of windstorms. This policy is a supplementary benefit and may be added to the main homeowners’ policy for an additional premium.
Insuranceopedia explains Storm Insurance
Most homeowners' policies include storm insurance in their coverage, but some policies do not provide coverage for windstorms (high winds, hurricanes, cyclones) and accompanying floods and earthquakes. In the latter cases for properties at risk, it may be wise for the owner to supplement the building's coverage. Since insurance policies differ by location, property owners are advised to check the provisions of their policies to know the extent of their coverage.