Workers Compensation Attorney
Contact us today

Hurricane Insurance Types

Hurricane Insurance Types

five stars
1157 reviews
Contact us today
  • $13 Billion+ Won
  • 800+ Lawyers Nationwide
  • The Fee is FreeTM, Only Pay If We Win
  • America’s Largest Injury Law Firm
  • Protecting Families Since 1988
Hurricane Insurance Types

Hurricane Homeowners Insurance

  • What it is: Most homeowners insurance policies include coverage for wind damage. You should also purchase flood insurance, which provides compensation for flood damage (after you hit your deductible, which can range from $500 to $2,500 or higher). By pairing these two coverages — wind and flood — you essentially have hurricane coverage for your home.
  • When to buy: In many states you can’t open a new policy (i.e., for flood damage) after a storm watch has been issued, or 48 hours before a storm hits. Check your policy as soon as possible to make sure your coverage is comprehensive.
  • How much it costs: You can check the average cost of home insurance in your area on Insurance.com. For the average cost of flood insurance, try QuoteWizard. It sounds counterintuitive, but some of the states that experience the most storms — such as Florida, Maryland, and Texas — have the cheapest flood insurance policies. Florida’s is the lowest, at $550 per year on average.

Hurricane Auto Insurance

  • What it is: As with homeowners insurance policies, there is no “hurricane insurance” for cars and trucks that protects against damage caused by hurricanes. Instead, this damage falls under comprehensive auto insurance plans. Comprehensive plans safeguard against theft, vandalism, and extreme weather events.
  • When to buy: You must purchase hurricane auto insurance well in advance of a storm warning or naming of a hurricane — usually at least 48 hours prior.
  • How much it costs: The cost of comprehensive insurance will vary depending on where you live and the value of your automobile. (Note that it is tied to the current value of the vehicle, not the original value or the cost when you first purchased it.) According to The Zebra, you can expect a comprehensive insurance plan to cost several hundred more dollars per year in premiums. That’s a significant increase, but well worth the price if your car or truck suffers several thousand dollars’ worth of hurricane damage.

Hurricane Travel Insurance

  • What it is: When booking a cruise or another vacation, you may have the chance to buy hurricane travel insurance, which protects against changes or cancellations caused by hurricanes. If a hurricane seriously disrupts your travel, you could be reimbursed for your flight, hotel, and other expenses. Unfortunately, it’s not as simple as getting a refund for your trip because meteorologists are calling for nasty weather. Your arrival must be delayed by a day or more, or you must be forced to evacuate your hotel, or an airport or major road must be closed. Importantly, you aren’t owed a refund because of potential disruptions — only disruptions that have already occurred.
  • When to buy: You must purchase hurricane travel insurance 24+ hours prior to a storm warning or naming of the hurricane. If you think there’s a significant risk of your vacation being delayed by a tropical storm, it’s probably worth buying hurricane travel insurance when you book the trip.
  • How much it costs: Prices vary of course, but generally speaking, travel insurance will cost between 4-8% of the total cost of the trip.

Hurricane Boat Insurance

  • What it is: Many boat insurance policies include coverage for wind and flood damage, the two main components of hurricane damage. That said, in areas that are at a higher risk of hurricanes, insurance policies are less likely to offer reimbursement for these losses. If your area is vulnerable to tropical storms, it’s critical that you check your policy to see what it does and does not cover. Some insurance companies offer an option to reimburse you for some of the cost of towing your boat away from an area before it’s hit by a storm. These policies may also compensate you for the cost of strapping your boat down, or for relaunching it after the storm.
  • When to buy: For most boat insurance policies, to be reimbursed for damage that occurred during a hurricane, you must have purchased the policy at least 30 days prior to the storm. This is to prevent last-minute buys that occur after a storm is already on its way.
  • How much it costs: The cost of boat insurance varies depending on where you live, as well as the size and value of your boat (e.g., insuring a yacht will cost a lot more than insuring a small fishing boat). The annual cost can range from under $200 to over $1,000 per year. For at least one insurance company, Florida had the highest average annual rate in 2017, at $495, while Wisconsin had the lowest, at $188.
Free Case Evaluation
Tell us about your situation so we can get started fighting for you. We tailor each case to meet our clients' needs.

By submitting you agree to our Terms & Privacy Policy.

FAQ

Hurricane Insurance Types FAQs

  • Contact a Hurricane Insurance Claim Lawyer

    If an insurance company has denied, delayed, or underpaid your hurricane damage claim — whether it was for your home, car, trip, or boat — you should speak with an attorney. Having a hurricane claim lawyer representing you can mean the difference between financial ruin and a speedy recovery. Even if the insurance company said “No,” you may still be able to recover the money you need to cover repairs and get back on your feet.

    Morgan & Morgan has attorneys nationwide with the experience, reputation, and resources required to take on Big Insurance and win. Over the past 30 years, we’ve recovered more than $9 billion for our clients across practice areas. Best of all, it costs nothing up front to hire us, and we get paid only if you win.

    To see how we can help you, fill out a case review form for a free, no-obligation case evaluation.

Hear From Our Clients

We’ve helped over 300,000 families.
See what they have to say.

Marlon B.
Auto Accident
5 stars

Our Personal Injury Lawyers
Have Over 28,000
5-Star Google Logo Reviews

Jerri
Unbelievably organized, responsive and probably the most effective process-oriented group of people I've ever seen. Their preparation for mediation and trial is beyond comprehensive. Across two cases and 3 years, not once did anything fall between the cracks. Everyone I came into contact with exemplifies professionalism; they quickly resolved insurance issues and spent time educating me about everything affecting my cases.
Georgia J.
General Injury
Rupdai
It has been an amazing experience with your law firm. I will be happy to refer any of my family and friends to your law firm. I am very thankful to Sabrina Thornburg and Andrew Felix for everything that they have done on my case. Sabrina kept in touch with me to let me know how everything was going and I am very happy with the service that she and Andrew provided. Your slogan really is true, you are for the people. Thank you.
Antonia C.
Slip and Fall
Alejandro
I was very happy with the communication between the legal counsel and myself. If I had any questions I could leave it if not directly and I would have an answer within 24 hours by either email or a courtesy phone call. Also, the quick resolution of the matter was something I appreciate very much. Needless to say the result was more than expected.
Todd E.
Homeowners Insurance
Jasmine
I originally hired a different law firm after being involved in a multi-car accident on the interstate, but after a few conversations, arguments, and showing me other cases were more important than mine, I called and hired Morgan & Morgan! That was one of the best decisions I've made as an adult! Not only have they been in contact with me, but they listened and found mistakes in the crash report that the officer didn't want to admit to! I'm beyond thankful!
See More

The Fee is FreeTM Only Pay If We Win.

1

Free case evaluation icon

Submit a Free Case Evaluation

You can find out if you qualify immediately.

2

Incoming icon

Get a Call From Us

Our specialists will walk you through your case and collect all the right information to win your case.

3

Woman with computer icon

Let Us Get to Work

Our specialized attorneys will handle every step of your case from start to finish. You don’t pay until we win.

Call Us Now

See Our Nationwide Results

We’ve won over $13 Billion for our clients in cases of all types. Let us work hard for you.

Car icon
$120,000,000
Car Accident
Medical Malpractice icon
$28,450,105
Medical Malpractice
Clock and money icon
$820,000
Unpaid Overtime
Tobacco icon
$91,000,000
Tobacco
Slip & Fall icon
$3,140,804
Slip & Fall
Premises Liability icon
$8,800,000
Premises Liability
Social Security icon
$1,331,245
Social Security
Civil Rights icon
$1,800,000
Civil Rights