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Is Hurricane Insurance Available to You? Hobbs NM

Here's the good news: Hurricane insurance is available. Here's the bad news: your regular homeowners insurance policy will not normally include the coverage you need for hurricanes

Farmer''s Insurance JD Whittington Agency
(505) 396-3925
107 North Main Avenue
LOVINGTON, NM
Services
Homeowners Insurance

Farmer''s Insurance JD Whittington Agency
(505) 396-3925
107 North Main Avenue
LOVINGTON, NM
Services
Homeowners Insurance

Allstate Insurance - Margie Delgado
(505) 821-0276
8101 San Pedro Ne Suite C
ALBUQUERQUE, NM
Services
Homeowners Insurance

Lucas-Vigil Insurance Agency Inc
(505) 722-4576
607 West Aztec Avenue
GALLUP, NM
Services
Homeowners Insurance

Kinney Agency Llc
(505) 262-2621
320 Osuna Rd
ALBUQUERQUE, NM
Services
Homeowners Insurance

George Gandy Insurance
(505) 396-5516
614 South Main
LOVINGTON, NM
Services
Homeowners Insurance

Stroud Insurance Agency
(505) 258-3377
Po Box 3240
RUIDOSO, NM
Services
Homeowners Insurance

Allstate Insurance - Timothy Porter
(505) 344-5877
6501 4th St Nw #a
ALBUQUERQUE, NM
Services
Homeowners Insurance

Daniels Ins Agcy Inc
(575) 766-9676
320 Gold Ave SW Ste 700
ALBUQUERQUE, NM
Services
Homeowners Insurance

Western Assurance
(575) 265-8481
2001 Carlisle Blvd NE
ALBUQUERQUE, NM
Services
Homeowners Insurance

Is Hurricane Insurance Available to You?

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Hurricane Insurance

Since the 2004 hurricane season, we are all much more aware of the devastation that a hurricane can leave in it's wake. We are also much more aware of the need for insurance against hurricane damage.

Here's the good news: Hurricane insurance is available. Here's the bad news: your regular homeowners insurance policy will not normally include the coverage you need for hurricanes.

If you don't know a lot about hurricanes themselves, here are a few facts: A hurricane is a tropical storm with winds that have reached a constant speed of 74 miles per hour or more. Hurricane winds blow in a large spiral around a relative calm center known as the "eye." The "eye" is generally 20 miles to 30 miles wide, and the storm may extend outward 400 miles. August and September are peak months during the North American hurricane season, which lasts from June 1 through November 30.

Tropical cyclones are classified as follows:

Tropical Depression- An organized system of clouds and thunderstorms with a defined circulation and maximum sustained winds of 38 mph (33 knots) or less. Tropical Depressions do not normally result in damage.

Tropical Storm- An organized system of strong thunderstorms with a defined circulation and maximum sustained winds of 39 mph to 73 mph (34-63 knots). A large tropical storm can leave damage in it's wake, but it will not be as serious or widespread as a hurricane.

Hurricane- An intense tropical weather system with a well-defined circulation and maximum sustained winds of 74 mph (64 knots) or higher. These are the deadliest of the cyclones, and they often result in damage to property and lives.

The hurricanes that typically affect the US form in the Atlantic Ocean, Gulf of Mexico or Caribbean Sea. As a result, populations along the southern and eastern seaboards of the continental US are the most prone to hurricane damage, although there have been notable exceptions caused by hurricanes moving inland.

In most cases, you will not be buying something called hurricane insurance. What you will be buying is additional coverages or policies for windstorm damage and water or flood damage. As you might expect, the biggest issues with hurricanes are wind and flood damage. This is where you will need to review your policy carefully, and ensure that you have the correct additional coverage. You may even want to speak with a broker or insurance agent to discuss your options.

One thing to watch for is you...

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