Tornadoes can touch down anywhere. They have caused damage in every U.S. state. Tornado winds can destroy any home, vehicle, business or personal property in their path, so having good tornado insurance in Wyoming is important. While located just outside the area commonly referred to as Tornado Alley, this part of the country still sees its fair share of tornado activity. If you are a resident of Wyoming, you may want to compare a variety of tornado insurance quotes to ensure that you are getting good coverage at a reasonable rate.
Tornadoes are among the most destructive of the natural disasters that occur in this country. Although most of the tornadoes that touch down in Wyoming are relatively weak with wind speeds less than 65 miles per hour, about 20 percent are strong enough to cause extensive damage. An F4 tornado, like the Teton-Yellowstone Tornado that touched down in this state in 1987, has the potential to demolish your personal property. Unless you have proper insurance coverage, a major twister can lead to financial devastation.
Many property owners think primarily about possible damage to the structure of their homes when they purchase coverage against heavy winds and storms. However, tornadoes can also damage items kept inside homes as well as farmland, businesses, vehicles, boats and other peripheral property. In some cases, twisters can even lead to injuries and fatalities, although this is rare in Wyoming. Make certain that all of your insurance policies include tornado coverage that offers you sufficient protection.
Tornadoes can cause trees to uproot and fall onto your property; destroy sheds, fences and detached garages; and cause severe damage to the structure of your home. When tornadoes rip roofs off houses and destroy windows, they can also cause major property damage to the things you keep inside your home.
Make certain that your homeowners, condo or renters insurance policy includes coverage against tornado damage. Most insurance companies include this coverage as part of their standard coverage package, but some may require you to purchase a separate tornado insurance rider, or, if you have a named-peril policy, to specifically list tornadoes as a covered event. It is, therefore, important that you be aware of what your current home insurance policy does and does not cover.
When you have tornado insurance as part of your home insurance policy, you will have coverage for damage to the structure of your Wyoming home and outlying buildings on your property including storage sheds, fences and detached garages. This insurance will also cover the contents of your home if those contents sustain damage. If a storm destroys or makes your home temporarily uninhabitable, your home insurance policy may also provide temporary housing or relocation assistance as long as your covered events include tornadoes.
Tornadoes can severely damage cars and trucks whether or not anyone is driving them when the twister strikes. Flying debris, falling objects, uprooted trees and collapsed garages are just some of the many tornado-related hazards that can damage a vehicle that is not in use. The only way to have coverage against this type of destruction is by including comprehensive coverage as part of your car or truck insurance policy.
Lenders usually require comprehensive coverage when you finance the purchase of your vehicle, but the law does not require this coverage. Because it is optional, some people who own their vehicles outright choose to forgo it as a way to save money on their policies. If your vehicle is old, run down and with little value, comprehensive coverage may not be worth the additional cost; however, if you want to be certain that you have coverage in case of a tornado strike, you may want to consider getting quotes and then adding this coverage to your policy.
If you own a Wyoming-based business, you may have purchased a business insurance policy to protect your company from undue financial losses. Be sure to review your policy to ensure that it includes tornado coverage. If your business policy includes continuation of income coverage, your company may be able to remain profitable even if you must temporarily halt operations while you repair the tornado damage.
Houses, vehicles and businesses are not the only properties that need protection from tornado damage. Many Wyoming residents also own snowmobiles, all-terrain vehicles or boats. The law does not require owners to have insurance to specifically cover these types of vehicles, so many people choose not to purchase it. Your homeowners insurance policy may provide some coverage if a tornado damages these items, but to get full comprehensive coverage, you may want to consider purchasing a snowmobile, ATV or boat insurance policy.
How can you know if your current insurance policies adequately cover you against tornado damage? At times, it can be hard to understand the details of an insurance policy. An independent insurance agent in the Trusted Choice® network can help you review your policies, and, if necessary, can provide a selection of competitively priced tornado insurance policies for your review.
Contact a Trusted Choice agent in Wyoming to get more information and to start comparing tornado insurance quotes.