Most homeowners policies already contain windstorm coverage, but some policies don’t. Windstorm insurance is a special type of insurance dealing with windstorm issues including high winds, tempests, heavy gales, hail, hurricanes and cyclones. Protection of your home against windstorm isn’t included in the list of covered perils under most types of homeowners insurance policies. That’s why it’s important for those who live in an area prone to windstorms to think about getting windstorm coverage.
Windstorm insurance can exist in various forms. In some cases, it can also refer to property apart from your home, depending on the type of your homeowners policy. It may cover damages to your car resulting from a windstorm as well, or it may cover your living expenses if your home is too damaged to live in after a windstorm.