Wind & Hail Insurance | Protect Your Home from Severe Weather
Comprehensive Wind & Hail Coverage for Homes in High-Risk Areas
Severe weather can strike at any time, bringing damaging winds and hail that threaten homes across the country. Many standard homeowners insurance policies exclude or limit coverage for wind and hail damage—especially in regions prone to hurricanes, tornadoes, and severe storms.
At Harbor Insurance Agency, we help homeowners secure specialized Wind & Hail Insurance to ensure full protection. Whether you’re in a coastal storm zone or an inland area vulnerable to hail, we work with multiple carriers to find the right coverage for your home at a competitive rate.
Why Wind & Hail Insurance Is Essential
High winds and hailstorms cause billions of dollars in damage each year, leading to costly repairs that aren’t always covered by basic homeowners policies. If you live in an area prone to hurricanes, tornadoes, or severe thunderstorms, a dedicated Wind & Hail Insurance policy can protect you from:
- Roof and siding damage caused by strong winds and flying debris
- Shattered windows from wind pressure or hail impact
- Structural damage from high-speed gusts
- Water intrusion from wind-driven rain entering through damaged areas
Since windstorm and hail damage exclusions vary by region, we’ll help you determine whether your home needs a standalone policy or an endorsement added to your existing Home Insurance policy.
How Wind & Hail Deductibles Work
Unlike traditional home insurance deductibles, Wind & Hail Insurance policies often use a percentage-based deductible, meaning your out-of-pocket cost is based on the insured value of your home.
For example:
🏠 Home Insured for $300,000
📌 2% Wind/Hail Deductible → $6,000 out-of-pocket cost
This deductible structure is common in high-risk areas and is separate from deductibles for other types of claims. Choosing the right deductible is key to balancing affordability and coverage.
Factors That Affect Wind & Hail Insurance Rates
Several factors influence the cost of Wind & Hail Insurance, including:
- Your Location – Homes in areas with frequent hurricanes, tornadoes, or hailstorms generally have higher premiums.
- Roof Age & Materials – Older roofs or those made of less durable materials may increase your insurance costs, while impact-resistant roofing may qualify for discounts.
- Construction Standards – Homes built to withstand high winds, such as those with reinforced roofing and storm shutters, may have lower premiums.
We’ll help you assess your risks and find the most affordable policy based on your home’s specific needs.
Does Homeowners Insurance Cover Wind & Hail Damage?
It depends. Some homeowners insurance policies cover wind and hail damage, while others exclude it—especially in high-risk areas.
- If your policy excludes wind & hail damage, you’ll need a separate Wind & Hail Insurance policy to stay fully protected.
- If your policy includes coverage but has a high deductible for windstorm claims, we can help you explore additional coverage options to reduce financial exposure.
📌 Need help reviewing your policy? Contact us for a free policy assessment to determine if additional coverage is needed.
How Wind & Hail Insurance Works with Regional Coverage Plans
Some states have government-backed insurance plans that provide Wind & Hail Insurance in high-risk coastal areas where private insurers may not offer coverage. These programs vary by state and may have coverage limitations, so it’s important to compare all available options.
If you’re in North Carolina, you may qualify for a policy through the North Carolina Insurance Underwriting Association (NCIUA). This state-backed insurance pool provides wind and hail coverage for designated coastal counties where private insurers may not write policies.
If you’re in an area covered by a state wind & hail insurance plan, we can help you determine:
✔ Eligibility Requirements
✔ Coverage Limits
✔ Alternative Private Market Options
We work with multiple insurance carriers to help homeowners find the best coverage—whether through a government plan or a private insurer.
Hurricane Insurance vs. Wind & Hail Insurance: What’s the Difference?
Many homeowners ask, "Does Wind & Hail Insurance cover hurricanes?" The answer depends on your policy.
- Wind & Hail Insurance – Covers wind-related damage from storms, hurricanes, tornadoes, and hail.
- Hurricane Insurance – Usually refers to coverage for hurricane-related damage, which may include both wind and water damage.
Some policies separate wind coverage from hurricane-related claims, so it’s important to understand exactly what your policy includes. We’ll help you navigate these details to ensure your home is fully covered.
Is Flood Insurance Needed with Wind & Hail Insurance?
Wind & Hail Insurance does NOT cover flooding or storm surge damage. If you live in a flood-prone area or a region vulnerable to storm surge, heavy rain, or overflowing waterways, you will likely need a separate flood insurance policy.
📌 Learn more about Flood Insurance and how it protects your home.
Can You Save Money by Bundling Wind & Hail Insurance?
One of the best ways to lower your insurance costs is by bundling multiple policies. Many homeowners choose to bundle their wind & hail coverage with their:
✔ Home Insurance
✔ Car Insurance
✔ Flood Insurance
Our team will help you explore bundling options to maximize your savings while ensuring full protection.
Get a Wind & Hail Insurance Quote Today
Don’t wait until a storm is on the horizon—secure your home with the right Wind & Hail Insurance policy today. Whether you need a standalone wind & hail policy, an endorsement to your homeowners insurance, or a bundled plan, Harbor Insurance Agency will help you find the best coverage at the most competitive rate.
✔ Compare multiple insurance carriers
✔ Find a policy that fits your budget
✔ Ensure your home is protected from wind, hail, and severe weather