Hurricane Insurance in Havelock NC, New Bern NC and Morehead NC
Hurricane Insurance Quote Forms
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Hurricane Insurance Information
Severe weather is a consistent threat for homeowners to be aware of. Hurricanes pose a severe threat to your home and property and may require special insurance coverage. Even a single storm can cause catastrophic damage and lead to significant losses and damages.
Fortunately, the agents at Amato Insurance Group are here to help homeowners like you in the Havelock, New Bern and Morehead areas understand what coverages can protect you from hurricanes and acquire the right insurance portfolio to suit your needs.
What Coverages Can Protect Me From Hurricanes?
Homeowners must understand that standard home insurance policies may not cover losses and damages caused by hurricanes. However, the right combination of additional protections can insulate you from hurricane-related damage. To ensure your home and property are adequately covered, consider the following:
Who Needs Hurricane Insurance?
- Hurricane deductible—This separate deductible works as a part of your home insurance policy to specifically protect you from damage arising from a hurricane. This deductible may not apply unless the National Weather Service declares a storm to be a hurricane or reaches a specific category level.
- Flood insurance—Hurricanes may bring heavy rains or cause damage to water mains that can often result in outside water flooding into your home. This type of policy can protect both the structural elements of your home (e.g., foundations, plumbing and electrical systems, floors, etc.) and your possessions, such as clothing, furniture, electronics and appliances.
- Windstorm insurance—This coverage is focused specifically on covering your home and belongings for damage arising from gales, hail and other wind-related hazards. In addition to hurricanes, your policy may protect you from tornadoes, cyclones and other damage from heavy winds.
Those in high-risk areas for hurricanes, floods and heavy winds must be aware of their insurance needs. The following criteria of your home should be considered when determining your optimal insurance portfolio:
Insurance providers may also consider these factors when calculating your premiums.
- Building materials
- Value of contents
- Policy details (e.g., coverage limits, deductibles)
Get the Right Coverage
Hurricanes are significant hazards that must not be taken lightly. A lack of preparation for these severe weather events could be devastating for your family and finances.
Amato Insurance Group is here to help. Contact our agents today to begin assessing your hurricane insurance needs. We will work with you to build a suitable package of coverages to keep you and your home financially safe.
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