Standard homeowners insurance covers wind damage from hurricanes and tropical storms in most states, but flood damage from storm surge is never covered by homeowners insurance — it requires a separate flood policy. In Gulf and Atlantic coastal states, some high-risk properties also need a separate windstorm policy through a state wind pool such as Mississippi’s MWUA, Alabama’s AIUA, or Florida’s Citizens Property Insurance.
Bridgeway Insurance Agency can review your current coverage and identify gaps before hurricane season. Get a free quote or explore state-specific coverage in our guides for Mississippi, Florida, and Louisiana.
