The best hurricane insurance for 2023 (2023)

Best hurricane insurance

Best hurricane insurance

We selected State Farm as the top general hurricane insurer because of its extensive network of agents in the most hurricane-prone states, strong financial position, and long history of helping customers navigate the post-hurricane experience.

Many insurers work in a limited number of states or types of coverage, but State Farm will likely cover you no matter where you are, including hurricane-prone states with the exception of Florida. State Farm has been in business since 1922 and receives top ratings for financial strength and operational performance, making it a solid choice for many insurance needs. If you need to file a claim, State Farm tops J.D. Power's rankings for claims experience.

To obtain hurricane coverage with State Farm, you must sign a standard home policy and a supplemental hurricane insurance policy. Flood insurance is offered through the National Flood Insurance Program (NFIP).

As a large insurance company, you can easily find a local agent in many locations. Bundle all your policies (home, auto, life) together for discounts and enjoy the convenience of a unique relationship that truly understands your family's needs. Signing up for a new policy requires a few details and takes little time.

We chose Kin because their policies include hurricane coverage, so you'll only need one home policy, and most new customers save about $500 when they switch.

Kin is a relatively new insurance company, founded in 2016. While it only offers insurance in hurricane-prone California and Florida, Kin is keen to include coverage for hurricane wind damage in all home policies and allows you add flood insurance as a passenger to the same policy. Since you don't have to purchase a separate policy for hurricane damage, and since Kin claims the average homeowner saves $500 when switching, it adds a lot of value for people looking to save on insurance.

Kin is primarily an online insurance company, which is great for tech-savvy web users. However, you won't have the same access to face-to-face support that you would with large agent-based insurers. It is not rated by the major financial stability or customer rating agencies, but receives a lower Demotech A (Exceptional) rating and scores 4.8 from over 1,800 reviews on Trustpilot.

It doesn't offer other types of coverage or pack ability, so it's not suitable for everyone. However, a fairly simple and straightforward online application can provide you with a quote in a short amount of time.

Lemonade offers quick and easy online home insurance coverage that includes hurricane storm damage coverage for homeowners and renters by default, with a separate deductible for personal effects.

If you prefer to take care of everything online, Lemonade is another good option. Lemonade details the homeowner's policy in a way that includes his housing, other structures, personal effects, and loss of use of his home. When you sign up, you will receive an offer specific to your hurricane deductible.

As long as you accept a hurricane deductible for home and property coverage, you are covered for the wind damage that hurricanes bring (does not include flood damage). The app and website do a good job of evaluating your property's coverage and selecting the right coverage.

If you need to file a complaint, it can be handled by an automated system for faster processing, but you can still call and get help from a human if you prefer. Even as a smaller insurer, Lemonade can still provide robust hurricane coverage for your single-family home or community. It also offers policies for renters, pets and automobiles. Package discounts are available.

Lemonade has Demotech's A rating for financial stability.While not rated for home insurance, it was rated highly for customer satisfaction in J.D. Power's 2022 Renters Insurance Survey.That service likely translates to the homeowner's product as well, and makes it a good overall choice for protecting your property (and home) from hurricanes.

We like Amica because it's a great insurer that offers flexible policies, including strong coverage for hurricane-related damage in most East Coast states, with the highest customer satisfaction ratings of any major insurer.

Rhode Island-based Amica traces its roots back to 1907 and is a large, recognizable home insurance company covering the hurricane-prone East Coast. Amica notably earned J.D. Power's 2022 top spot for best property insurance claims satisfaction, a key benchmark for good customer service.Offers homeowners coverage that includes most damage caused by hurricanes, not including floods. Flood insurance is provided by the National Flood Insurance Program.

In addition to insurance coverage, Amica offers customers extensive resources to prepare for a hurricane, mitigate damage and return to normal life after the storm has passed. You can also get other types of insurance from Amica and qualify for various discounts such as bundles, loyalty, self-pay and security discounts. These savings can add up to make Amica the cheapest option in many cases, even if its initial quote is not the lowest.

If you keep a long list of valuables at home, run a business from your home, or want additional catastrophe coverage, you have the option to add these and more to customize your coverage to your needs. Its excellent customer service and excellent, flexible coverage options make Amica a great choice for those on the East Coast, as well as other hurricane regions.