Do You Need Homeowners Insurance That Includes Hurricane Coverage?

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Hurricane Insurance Coverage

Hurricane Insurance

Having a home on the beach is a dream for a lot of people. The beauty of the ocean and casual lifestyle is very appealing to some homeowners. Living on the beach seems magical and idyllic but there are downfalls to it as well. There is always the chance of a storm or hurricane in coastal areas. Hurricanes can take out complete neighborhoods on the beach and do not leave any home untouched. If you own a home on the beach it is very important that you have it properly insured.

Even if you do not carry a mortgage on the home, it is still a good idea to have the best hurricane insurance possible. Make sure you find an insurance company that will provide the coverage you need. These policies can be quite costly but there are things you can do to get your premiums lowered. If you have metal shutters, roof straps or impact glass on your windows, you may be eligible for a discount. Also, having your home monitored by an alarm company will help reduce your rates.

If your home should become uninsurable or your company does not renew your policy, you can apply for FAIR Plan insurance or Fair Access to Insurance Requirement Plan insurance. These policies are intended to cover those homes that have been deemed uninsurable by insurance companies. These policies are often much more expensive than regular policies. In very rare cases there’s no other option, but knowing your home is protected should disaster strike will give you peace of mind. Finding the right agent will help you acquire policies that are typically more comprehensive often times a lower cost.

As with all FAIR Plans, consumers are urged to try to find coverage in the private market and we can help you find an agent that can help you find alternatives to the FAIR Plan.

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