Pennsylvania Hurricane Insurance
Find the right hurricane insurance policy for you.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
In the fall of 2012, Superstorm Sandy devastated much of the Eastern Seaboard, including homes and businesses in Pennsylvania. This led some PA residents to seek out hurricane coverage for the first time. Pennsylvania has seen hundreds of tropical storms and hurricanes in its long history, and residents here are familiar with the destruction to their homes and property that these disasters often bring. When you purchase a Pennsylvania hurricane insurance policy, you can have peace of mind knowing that the costs of repairing and rebuilding are covered after a storm.
Your homeowners insurance policy may not provide coverage for damage caused by the high winds and heavy rains of a hurricane or tropical storm. However, many insurance carriers offer hurricane coverage as a rider to an existing homeowners policy, or as a separate policy. An independent agent in the TrustedChoice.com network can help you look over your current policy to find out where there are gaps in your catastrophe coverage. Contact a local independent agent to get Pennsylvania hurricane insurance quotes and to find a policy that fits your home and risks.
What About FEMA?
Many homeowners trust that FEMA will provide the assistance they need in the event of major hurricane damage. However, federal assistance packages often take weeks or months to reach the people who need them. Meanwhile, if you are without a home, you must come up with cash for temporary housing and travel expenses. A Pennsylvania hurricane insurance policy can provide temporary housing funds, travel expenses, and more after a disaster.
Also, the federal aid provided for rebuilding comes in the form of an interest-bearing loan. This is money you may have to keep paying back for decades after a hurricane damages your home. With hurricane coverage in place, the cost of your home repairs is paid out as a claim settlement, not as a loan.
What Does Pennsylvania Hurricane Insurance Cover?
Hurricane-force winds can blow between 70 and 200 miles per hour. Hurricane insurance covers wind damage, such as:
- Broken windows
- Torn roofs
- Leveled or damaged buildings
- Structural damage from fallen or broken trees, poles, and other debris
It also covers rain damage, such as:
- Leaks and water damage due to excess rain
- Roofs damaged by excess rain
Additionally, your hurricane policy can provide for temporary housing you need while you rebuild your home.
Some homeowners insurance policies may cover damage from high winds and rain. A local agent can look over your homeowners policy with you, to find the types and amounts of hurricane coverage you need.
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What Is Not Covered by Pennsylvania Hurricane Insurance?
Hurricane insurance does not cover flooding, which so often follows the tropical storms and hurricanes that hit the Keystone State. In any area that is prone to hurricanes, it is a good idea to ask about flood insurance for your home. For flood coverage, you must purchase a policy through the National Flood Insurance Program. A Trusted Choice member agent can help you find flood insurance and can help you choose the coverage levels and deductibles for your flood and hurricane insurance policies.
How Much Does Pennsylvania Hurricane Coverage Cost?
The cost of catastrophe insurance like hurricane coverage varies widely, depending on:
- The insurance company you choose
- The location of your home
- The risk of hurricane-force wind and rain in your area
- The value of your home
- The value of your property
- The amount of your deductible
A member agent can help you look at all the variables of your policy until you find Pennsylvania hurricane insurance coverage that suits your risks and budget.
How Can I Find Pennsylvania Hurricane Insurance Quotes?
You could begin by searching one insurance company at a time, or you could contact a local agent in the Trusted Choice network. An independent agent works for you, not for an insurance company, and can compare many policies from several different carriers until you find the right one for you.
A member agent knows your unique risks and circumstances and can advocate for you if you need to make a claim after a storm or other catastrophe. Contact a local independent agent today to start comparing Pennsylvania hurricane insurance quotes and to find a policy that will give you peace of mind.