At Sanguinetti & Company Insurance Brokers, with locations in Stockton and Angels Camp, California, we recognize the potentially devastating effects hurricanes can have. Understanding hurricane insurance is vital for California residents. 

Contact our agents today for a hurricane insurance quote. 

What Does Hurricane Insurance Cover? 
Hurricane insurance is designed to provide financial protection against hurricane-related damages. Coverage may include the following: 

• Structural damages—This coverage may help pay repair or replacement costs for damages to the physical structure of your home.
• Personal property—This coverage may pay for personal belongings, such as furniture and electronics, that might be damaged or destroyed.
• Temporary living expenses—This coverage can help with additional living expenses if your home becomes uninhabitable.
• Debris removal—This coverage can help pay costs for cleaning up debris after a hurricane.
• Flood damage—This coverage may pay for flood damage caused by storm surges or heavy rains.
• Wind damage—This coverage is available either through your homeowners’ policy or a specific windstorm policy and may pay for damages caused by hurricane-force winds. 

Your coverage may have specific limitations and exclusions. Work with our expert brokers to help ensure you have the appropriate protection. 

Does Insurance Pay for Hurricane Damage? 
Insurance may help pay for hurricane damage, but the extent of the coverage depends on your specific policies and the nature of the damage. 

Homeowners insurance may cover wind-related damage, unless excluded in certain high-risk areas. However, flood damage requires a separate flood insurance policy, as standard homeowners insurance does not typically cover flood damage. 

Be aware that hurricane-related claims might have higher deductibles, depending on the area and the insurer’s guidelines. 

Contact Us 
Don’t leave your home and belongings vulnerable to the unpredictability of hurricanes. Contact Sanguinetti & Company Insurance Brokers today for the hurricane coverage you need.