Does standard home insurance cover hurricane damage for houses outside of hurricane zones?

My home isn't technically within a hurricane zone, but it's close enough to one that I worry about potential damages. Will my home insurance protect me from hurricanes?

Answer
Yes, as long as the hurricane damage was caused by wind. Most standard home insurance policies include wind as a covered peril, as long as the policyholders are not in a high-risk area. However, there are some policies that exclude wind-related damage. Be sure to check your policy or contact your insurance company to confirm that you’re covered.
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Savannah Grabek
Answered on Apr 02, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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