![]() New Jersey, as a rule, does not require separate windstorm insurance protection. Some states do require homeowners to purchase an additional and specific “windstorm” protection to cover the damage hurricanes deliver. This includes most of the wind that comes directly from the hurricane itself as well as the occasional tornadoes spawned by these large tropical systems. The majority of insurance policies for homeowners and renters provide specific protection for windstorm damage. In order to have sufficient hurricane protection, you need to be sure that you’re protected by insurance that covers both types of damage. There are essentially two primary types of hurricane damage: 1) damage caused by wind and 2) damage caused by a flood. In other words, you need robust hurricane protection whether you rent your home or own it. They deal out the damage in equal amounts to all parties. Hurricanes do not care if you own your home or rent. Personal Insurance for Hurricane Protection ![]() Here’s what you need to know about hurricanes and the types of insurance protection you’ll need to protect your home, family, and business. As we approach the peak of hurricane season, which occurs mid-August through the end of October, it’s important to ensure your insurance protection is adequate for your needs should a hurricane strike. While hurricanes can occur any time of the year, the official hurricane season begins June 1 and ends November 30 each year. ![]() Does Your Current Insurance Policy Protect You If a Hurricane Strikes? Posted on Jul 23, 2020 ![]()
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