As we noted above, homeowners insurance doesn’t apply to your car’s damages. Here is what it does cover.
Homeowners insurance would cover hurricane damage to your home’s structure. But note that unless it was part of your policy, hurricane insurance may require a separate and large deductible before your insurer will contribute up to your policy’s limits.
Personal Property Coverage
Homeowners insurance also covers hurricane damage to your personal belongings, so it will pay to repair or replace them.
Loss of Use Coverage
If your house is unlivable due to a hurricane, homeowners insurance would pay for your hotel, meals, and living expenses above what you’d normally spend, up to a certain time limit, dollar amount, or both, depending on your policy.
What Homeowners Insurance Doesn’t Cover After a Hurricane
While homeowners insurance may cover damage from strong winds, it doesn’t cover flood damage automatically. For that, you’d need either separate flood insurance or a flood endorsement added to your homeowners’ policy.