The power of these natural catastrophes is huge and can wipe out homes in seconds.
Not to mention the wild floods that can destroy and smash any obstacle in their way.
If you are living in a hurricane area, the risk of losing your house and personal belongings is really high.
You need to purchase home owner's insurance to protect you from hurricanes and other catastrophes to protect you and your family from them.
It is important to mention that hurricane insurance has increasing rates, due to reinsurance and to the growing number of claims linked to hurricane disasters.
That is a very negative aspect you need to consider, so you will not have to drop the policy payments in the future.
Regular home owner's insurance does not usually provide coverage for hurricane damage, so you may need to purchase an extra cover to protect your residence and your personal possessions.
You should take into account that flood insurance is not included in the hurricane policy so you will need to get a separate policy for it.
You should keep in mind that hurricane insurance is mostly restricted to wind damage, without any flooding.
In case a hurricane hits your residence and destroys part of it, you have to consider the possibility of moving out for a while, at least until your home is completely repaired.
The costs of your moving and living arrangements are not considered in the hurricane insurance policy.
They may be included in a standard policy, so you need to purchase that too.
In fact, you should get standard, hurricane, and flood insurances separately, if necessary.
But it is the only way you can feel secure about your future and your loved ones.