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Is Hurricane Insurance Available to You? Manchester NH

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

New England Risk Management
(603) 625-5400
530 Chestnut St Ste 103
Manchester, NH
 
Allstate Insurance Companies
(603) 668-7228
981 2nd St
Manchester, NH
 
American International Group Companies
(603) 645-7000
Manchester, NH
 
International Insurance Company
(603) 656-2200
250 Commercial St Ste 5000
Manchester, NH
 
Watson Insurance Agency Inc
(603) 668-4800
50 S Main St
Manchester, NH
 
New York Life Insurance Company
(603) 621-5241
1155 Elm St Ste 803
Manchester, NH
 
Allstate Insurance Company
(603) 622-3030
1181 Hanover St
Manchester, NH
 
Foy Insurance Group
(603) 641-8111
779 S Main St Ste B
Manchester, NH
 
Aspen Insurance Agency
(603) 647-0800
510 PO
Manchester, NH
 
Channa Insurance Agency
(603) 222-2338
50 Bridge St Ste 102
Manchester, NH
 

Is Hurricane Insurance Available to You?

Provided By: 

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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