If you live in Georgia and South Carolina, there is a good possibility that you could experience damage from a hurricane-related event.
What insurance do you need to cover water and wind damage? Depending on exactly where you live, a good plan could include a combination of insurance policies.
Here are some essential tips to take BEFORE a hurricane comes your way:
If you're a homeowner, consider adding wind/hail, flood, and additional living expenses coverage. Based on your proximity to the coast, wind/hail coverage may be required.
If you rent and live either in a basement or first-floor apartment, consider purchasing flood insurance to cover your personal property.
If you own a vehicle, consider having comprehensive coverage.
If you decide to add flood insurance, expect there to be a 30 day waiting period for it to become effective after purchase.
Take a detailed inventory of your residence, including photos/videos of the inside and outside, to help in case you file a claim later.
Make sure you have your insurance agent's contact info in your phone contacts.
Make digital copies of your policies' declaration pages, your ID, health insurance cards, and other important documents so you can access them if you have to leave your residence quickly.
Insurance policies are highly detail-oriented so it's crucial that you consult with your independent insurance agent to make sure you understand what your policy does and doesn't cover. An experienced independent agent understands the subtleties of various policy options and can help you customize your insurance to provide you with just the right protection.