Hail Insurance

While homeowner's insurance policies vary state-by-state most common policies typically cover damage and loss from most natural disasters. These disasters may include:

• Fire
• Lighting
• Windstorm
• Hail
• Smoke

Hail Insurance Coverage

However, policies will differ depending on the area in which the homeowner resides. Areas in which certain types of disasters (i.e. forest fires, hurricanes) are more frequent than most, may mean that the homeowner needs to purchase additional coverage for the specific disaster.

Coastal areas that are at higher risk for hurricanes may have homeowners insurance that excludes coverage for certain wind damage or hail damage. Homeowners are encouraged to look closely at their home insurance to determine what disasters are covered and which are excluded from coverage. If hail damage is excluded from traditional coverage, than the homeowner may need to purchase additional hail insurance.

Purchasing Hail Insurance

Homeowners may be able to purchase hail storm insurance from private companies in their state. If, however, no private insurance companies sell hail insurance, then it may be possible to find additional hail insurance through state-sponsored insurance pools. Homeowners can check with their state insurance department for information regarding hail insurance policies available in their state.

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