Hurricane insurance is somewhat of a misnomer: No one policy can cover all the damage caused by a hurricane. To be fully protected, you need a combination of homeowners insurance and flood insurance.
Your homeowners policy may cover windstorm coverage with a separate deductible or, in some hurricane-prone states, you may have to get a separate windstorm insurance policy.
Below, we've named the best insurance companies for this kind of protection. (See our methodology for more information.)
Shop for homeowners insurance
Best for availability: State Farm
State Farm Homeowners Insurance
Cost
The best way to estimate your costs is to request a quote
Maximum coverage
Not disclosed
App available
Yes
Policy highlights
State Farm's homeowners insurance offers coverage that's easy to bundle with other types of insurance and covers things like fire, theft or vandalism. It offers several discounts for home security systems and wind mitigation.
Does not cover
Business or professional services, damage from flooding or underground water, earthquakes or mudslides, settling or deterioration, and animals, birds or insects.
Pros
- Lots of optional coverages available
- Ability to bundle policies and save with auto or term life insurance policies
Cons
- Online quotes not available in all states
- Does not offer new homeowners insurance policies in California
Who's this for? State Farm homeowners insurance is available in 47 states — including hurricane-prone ones like Florida, Georgia, Louisiana and Texas. A State Farm home insurance policy pairs well with flood insurance from the National Flood Insurance Program or a private provider.
Standout benefits: State Farm offers discounts on home policies if you add impact-resistant shingles or wind-mitigation features.
Best for high-value homes: Chubb
- Top-rated for customer satisfaction by J.D. Power
- Extended replacement cost available
- Complimentary home inspections and property services
- Cash settlement available if you decide not to rebuild
- Rates are higher than many competitors
- Online quotes are not available
Chubb Flood Insurance
Cost
The best way to estimate your costs is to request a quote
Maximum coverage
$15 million combined dwelling and contents coverage
App available
No
Policy highlights
Chubb specializes in policies for high-value homes, with high limits for art, jewelry and other expensive items. If a flood warning is issued, you can get reimbursed up to $5,000 for moving your valuables and safeguarding your home.
Pros
- Up to $15 million in total property coverage
- Up to $5,000 to cover the cost of sandbags if a flood warning is issued
- Up to $250,000 for debris removal
- One deductible for flood and homeowner claims
Cons
- Flood insurance not available in all 50 states
Who's this for? Chubb offers both home and flood insurance, with some of the highest limits in the industry — including flood policies with up to $15 million in property coverage.
Standout benefits: Chubb's flood insurance can include finished basements, a flood-prone area other providers often exclude. Homeowners policies offer extended replacement cost and personal liability limits of up to $100 million.
Best for bundling: Allstate
Allstate Homeowners Insurance
Cost
The best way to estimate your costs is to request a quote
App available
Yes
Policy highlights
Allstate's homeowners insurance combines strong track records for customer satisfaction with affordability. While not available in all states, it is widely available across the U.S. It's also willing to work with homeowners who have unique needs like those with homes over 100 years old. Special features including unique homesharing coverage can help make your homeowners insurance policy even more useful.
Pros
- Offers several discounts, including bundling discounts for bundling home and auto insurance
- Coverage is available in all 50 states and Washington, D.C.
Cons
- New policies not available in California
Beyond Floods Insurance
Policy highlights
Policies underwritten by National General, with coverage for pool repair, debris removal, temporary living expenses and flood mitigation efforts.
Maximum coverage
Dwelling coverage: $1.5 million, contents coverage: $750,000
Availability
Available in 30 states
Pros
- Generous dwelling and contents coverage limits
- Add-ons to cover swimming pool repair/refill
- No waiting period in Florida or New Jersey
Cons
- Not available nationwide
Who's this for? If you want to get your homeowners insurance and flood insurance from the same company, Allstate offers both NFIP coverage and private flood insurance through Beyond Floods.
Standout benefits: You can get a discount of up to 25% for bundling home and auto with Allstate and Florida homeowners can reduce their rates with windstorm mitigation features like water barriers and roof deck attachments.
Best for affordability: Amica
- Platinum Choice has higher 130% dwelling coverage
- Some policies pay dividends
- Doesn't restrict dog breeds
- Not offered in Hawaii or Alaska
- Dividend policies not available in every state
Amica NFIP Flood Insurance
Policy highlights
National Flood Insurance Program (NFIP) policies. Superior customer service and discount for bundling flood with other insurance.
Maximum coverage
$250,000 in dwelling coverage and $100,000 in contents coverage
Availability
Nationwide except for Alaska and Hawaii
Pros
- Also offers homeowners and auto insurance
- Highly rated for homeowners insurance by J.D. Power
Cons
- Must pay annual premium in one lump sum
- Does not cover temporary living expenses
- Must call for rate quote
Who's this for? Amica has some of the lowest rates in the industry for homeowners insurance and is available everywhere but Alaska and Hawaii. It also sells NFIP flood insurance policies.
Standout benefits: Amica's Platinum Choice tier includes an additional 30% coverage for repairs or rebuilding, plus extended coverage for valuables and special coverage for water backup.
More on our top companies for hurricane insurance
State Farm
The largest homeowners insurance company in the U.S., State Farm had a market share of 18.42% in 2024 and $22 billion in direct premiums written. J.D. Power ranked in above average for both overall customer satisfaction and property claims.
Chubb
Chubb has a reputation for first-class service and generous coverage for high-end homes. It topped J.D. Power's 2024 U.S. Home Insurance Study for overall customer satisfaction and ranked highly for property claims.
Allstate
Founded in 1931 Allstate is the second-largest homeowners insurance company in the U.S., with more than $10.5 billion in direct premiums in 2024. The company was ranked below average for customer satisfaction and property claims by J.D. Power, but has an A+ rating from the Better Business Bureau.
Amica
Founded as the Automobile Mutual Insurance Company of America in 1907, Amica offers auto homeowners, renters, life, flood and other insurance products. It received an A+ from the Better Business Bureau and gets fewer complaints than similarly sized competitors, according to the National Association of Insurance Commissioners (NAIC).
Does homeowners insurance cover hurricane damage?
In a hurricane, homeowners mainly face damage from wind and flooding, which require two different policies.
Homeowners insurance can cover wind damage, though it varies by state. If you can't get windstorm coverage on the private market, some state insurance associations offer coverage for wind and hail damage.
Since homeowners insurance doesn't cover flooding, however, you'll need flood insurance to be fully covered in the event of a hurricane. Policies are available from private insurers and through FEMA's National Flood Insurance Program (NFIP).
States where hurricane deductibles apply
A deductible is the amount that you have to pay out of pocket before your insurer pays on your claim. Generally, it's deducted from the check you receive from your insurer for repairs or replacement items.
Flood insurance and homeowners insurance policies have separate deductibles: Deductibles for home policies are usually a flat dollar amount. If your home is damaged due to wind, a named storm or a hurricane, however, you may have to pay an additional percentage-based deductible.
These 19 states have hurricane or named storm deductibles:
- Alabama
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- New Jersey
- New York
- North Carolina
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Virginia
What is windstorm insurance?
Homeowners insurance can cover some damage caused by windstorms. But, it may not cover it entirely, especially if you live in an area where hurricanes are common.
This type of policy can be a rider or endorsement on a standard homeowners insurance policy, or as a standalone policy. There may be a separate deductible, however, especially if you live in a coastal state or other high-risk area.
Many insurance companies prohibit homeowners from purchasing windstorm coverage 24 to 48 hours before a major hurricane or named storm.
FAQs
What does hurricane insurance cover?
Hurricane insurance can cover damage to your home, other structures and personal belongings caused by hurricanes, hailstorms, tornadoes and other severe weather. To be fully protected, you'll need a homeowners policy with windstorm coverage and a flood insurance policy.
What is the deductible for hurricane insurance?
Windstorm deductibles are typically between 1% and 10% of a home's insured value. A homeowner with a home insured for $500,000, for example, would pay a deductible of between $5,000 and $50,000.
Will hurricane insurance cover damage to my car?
Hurricane insurance won't cover damage to your car. Comprehensive car insurance can cover damage to your vehicle caused by flooding, falling tree limbs and other hurricane-related incidents.
How can I lower the cost of hurricane insurance?
You can often lower the cost of any kind of insurance by shopping around, bundling policies, choosing a higher deductible and improving your credit score. For hurricane insurance, making home improvements that mitigate wind and flood damage — like storm-resistant windows or new roofing — can help you save
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. To research the best insurance companies, we compiled over 100 data points on more than a dozen insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best insurance companies.
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Our methodology
To determine the best insurance companies, CNBC Select analyzed homeowners insurance companies and flood insurance companies and compared them based on various factors.
While narrowing down the best insurance companies, we focused on the availability of both flood insurance and homeowners insurance. We then considered companies' customer satisfaction ratings according to J.D. Power surveys, NAIC ratings and financial strength ratings from A.M. Best.
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.
From there, we sorted our recommendations by the best for customer satisfaction, best for high-value homes and best for bundling.
Note that the premiums and policy structures advertised for homeowners and flood insurance companies are subject to fluctuate in accordance with the company's policies.
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