Storm Insurance

What Does Storm Insurance Mean?

Storm insurance refers to coverage for losses to property and individuals caused by storms. Windstorm insurance is a subset of casualty-property insurance that provides protection for people and property against damage caused by windstorms. This policy is a supplementary benefit and can be added to the main homeowners’ policy for an additional premium.

Insuranceopedia Explains Storm Insurance

Most homeowners’ policies include storm insurance, but some policies do not cover windstorms (such as high winds, hurricanes, or cyclones) or the accompanying risks of floods and earthquakes. In such cases, property owners in at-risk areas may want to supplement their coverage. Since insurance policies vary by location, property owners are advised to review the provisions of their policies to understand the extent of their coverage.