, you should first make sure you have adequate homeowner’s insurance coverage.
The good news is that standard homeowners insurance tends to cover damage by disasters including hurricanes, storms, and more. However, when reviewing policies, you should look for a policy that covers enough so that you can rebuild your home in case of a total loss.
Take note of the hurricane deductible as well to make sure it’s an amount you are comfortable with.
If you anticipate hurricanes and/or flooding, you must get a separate flooding policy! Flooding damage to homes isn’t covered by the typical homeowner’s insurance.
It’s also a good idea to do an inventory of your home’s belongings and their value. That way you can speed up the insurance claims process and have it be more accurate as well.
If you rent a home, know that you need a renters policy to protect your possessions against loss/damage, as the landlord will only cover the home’s physical structure.
Sometimes, hurricanes result in the need to relocate. If you need to resituate yourself, make sure your insurance covers additional living expenses (ALE). This is important because ALE covers things like hotel bills, restaurant expenses, and more.
Take note of the ALE amount of the policy you’re reviewing, as the recommended limit will vary based on where you live due to differing costs of living.
As for vehicular insurance, make sure you have comprehensive coverage, which typically covers hurricane damage, including water and flood damage, as well as total losses. Again, review the deductibles to make sure they are reasonable.
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