English
Arabic
French
Spanish
Portuguese
Deutsch
Turkish
Dutch
Italiano
Russian
Romaian
Portuguese (Brazil)
Greek
As the climate shifts, tens of millions of Americans in hurricane-prone areas see an uptick in both frequency and severity of these powerful storms. Hurricanes have set new records for damage in recent years, with one storm passing $125 billion in damage, and the trend does not appear to be slowing down.1
The Insurance Information Institute estimates that more than 7.1 million homes are at risk of hurricane damage.2 If your home is at risk, it’s important to put the right coverage in place. Your standard homeowners policy may not cover all hurricane damage, but hurricane policies do supply this protection and often match the coverage of your homeowners insurance. We reviewed hurricane insurance carriers based on coverage, location, and more to help you choose the best hurricane insurance for your home.
The Best Hurricane Insurance for 2023
- Best Overall: State Farm
- Best Value: Kin
- Best Personal Property Coverage: Lemonade
- Best East Coast Provider: Amica
Flood insurance is needed to cover the storm surge associated with a hurricane. Hurricane insurance covers the damage from intense windstorms.
BEST OVERALLState Farm
:fill(transparent):max_bytes(150000):strip_icc():format(webp)/State_Farm-813a7485e64f40519c7709ee908231da.jpg)
We chose State Farm as the best overall hurricane insurance provider due to its wide network of agents in most hurricane-prone states, strong financial position, and long history of helping customers navigate the post-hurricane experience.
-
A large insurer with local agents in most areas
-
Highest possible A++ strength rating from AM Best
-
Extensive hurricane resources and experience
-
May not offer the lowest costs in your area
-
Average customer satisfaction ratings for property claims
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 earns top ratings for financial strength and operating performance, making it a solid choice for many insurance needs. If you do need to file a claim, State Farm ranks near the top in ratings from J.D. Power for claims experience.3
To get hurricane coverage with State Farm, you would sign up for both a standard homeowners policy and a companion hurricane insurance policy. Flood insurance is offered through the National Flood Insurance Program (NFIP).
Because it’s a large insurer, you can easily find a local agent in many locations. Bundle all of your policies together (home, auto, life) for discounts and enjoy the convenience of a single relationship that truly understands your family's needs. Signing up for a new policy requires quite a few details and takes a short amount of time.
