From what has happened in recent times, it is obvious that hurricanes can be extremely destructive and devastating. Hurricane season typically starts in June and lasts through the end of November, so make sure you are prepared. Those who reside in hurricane prone areas should obtain hurricane insurance coverage to help protect against property damage and loss.
Consider purchasing extended replacement cost coverage to cover the increased costs of labor and materials that go over what your policy covers. This may be especially important when disaster strikes and resources to rebuild or fix homes become scarce.
Each year, flooding causes approximately $2 billion of property damage. However, 14% of Americans actually purchased flood insurance to protect their property. To ensure maximum protection, ascertain whether or not you will need additional coverage such as earthquake or flood insurance. Always have an updated inventory of your belongings on hand, with serial numbers, descriptions, values, and pictures of each item.
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