Protect Your Home from Hurricanes with Reliable Coverage
Comprehensive protection against wind damage to safeguard your most important investment.
Buying a home is one of the most significant investments you’ll make, and protecting it from hurricanes is essential. At McShea Insurance Agency, we help homeowners secure proper coverage to minimize financial risks caused by storms and hurricanes.
Don’t wait until a storm is on the horizon—once the federal government issues a hurricane or tropical storm watch, insurance companies no longer offer coverage or the option to add coverage or lower your deductible. Protect your home in advance and gain peace of mind knowing your property is secure.
Why Choose McShea Insurance for Hurricane Coverage?
- Tailored Coverage Options:
We’ll help you understand and select the right coverage for your specific needs. - Experienced Agents:
With over 30 years of experience, we know how to navigate Massachusetts hurricane insurance requirements. - Cost-Effective Policies:
Our partnerships with trusted carriers allow us to find you the most competitive rates. - Trusted Guidance:
We simplify the complexities of hurricane deductibles, helping you make informed decisions.
What is Hurricane Insurance?
While there isn’t a specific standalone "hurricane insurance" policy, the term usually refers to hurricane deductibles included in homeowners insurance policies. A hurricane deductible is the additional amount a homeowner must pay before the insurance company covers damage caused by a hurricane.
This coverage typically applies to:
Wind damage from storms with speeds exceeding 74 mph.
Rain damage caused by hurricane-force winds, such as a roof being ripped off a home by hurricane winds, allowing rain to enter the home.
Hurricane Insurance vs. Flood Insurance
Understanding the difference between hurricane and flood insurance is crucial for comprehensive protection:
- Hurricane Insurance: Covers wind damage from storms classified as hurricanes or tropical storms.
- Flood Insurance: Covers water damage caused by flooding, which is not included in standard homeowners policies.
Most homeowners insurance policies cover wind damage during a hurricane but may include a separate deductible for named storms, wind, or hurricanes.
Steps to Get Started
Protect Your Home Before the Next Hurricane
Don’t wait until the unexpected happens or it’s too late. Contact McShea Insurance today to review your homeowners insurance and ensure you’re protected against hurricanes.