Understanding wind deductibles

Understanding Windstorm Coverage and Deductibles on Your Homeowners Policy

Many people view their homeowners insurance policy as a comprehensive document that protects their home regardless of the peril behind the insurable event. While this is true in theory, your homeowners policy actually has many different layers and different deductibles that must be covered for different insurable events. An often misunderstood deductible is the windstorm deductible.

Windstorm Coverage and Deductibles

Sometimes winds are strong enough to inflict damage to your property. Strong winds create their own set of problems. You could lose out buildings, roofs, inside contents, windows and more as a result of windstorm damage. As such, they have their own deductible and limits within your homeowner’s insurance policy. Limits can be imposed on property such as trees and fences. A separate windstorm deductible is typically a percentage of the dwelling amount.

In Texas, can buy a separate windstorm policy or have it included with your homeowners policy. In order to ensure that you can afford a policy with adequate coverage you can adjust the deductibles to reduce some of the insurance company’s risk and your premium.

Protect your home and everything inside of it. Call Best Insurance at 979-297-2655 for more information on homeowners, auto or commercial insurance.