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services for individuals

Hurricane Preparedness

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Why Hurricane Insurance Matters

Secure Your Property: Flood Insurance

Hurricanes bring severe weather and can cause extensive damage to homes and properties. Standard homeowners insurance may not cover hurricane-related damage, leaving many vulnerable to significant financial loss. Hurricane insurance offers essential protection, covering damage caused by high winds, storm surges, and flooding.


Our hurricane insurance policies include coverage for structural damage, personal belongings, and additional living expenses if your home becomes uninhabitable. At Wright-Gardner, we provide tailored solutions to ensure you are prepared for the unexpected and can recover swiftly from hurricane damage.

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Personal Belongings Coverage

In addition to structural damage, hurricanes can severely impact personal belongings. Our policies provide coverage for the repair or replacement of items such as furniture, electronics, and clothing affected by the storm.

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Structural Damage Coverage

Our hurricane insurance covers repairs or rebuilding for structural damage caused by high winds, falling debris, and storm surges. This includes damage to your home’s foundation, roof, and walls.

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Additional Living Expenses

If your home is rendered uninhabitable due to hurricane damage, our insurance covers additional living expenses. This includes costs for temporary housing, meals, and other necessities while your home is being repaired.

  • Is hurricane insurance included in my standard homeowners policy?

    Typically, standard homeowners insurance does not cover hurricane damage. Hurricane insurance is usually a separate policy or endorsement. Our team can help you understand and secure the necessary coverage.

  • What is the deductible for hurricane insurance?

    Hurricane insurance often has a separate deductible based on a percentage of the insured value of your home. We can help you select a deductible that fits your needs and budget.

  • Can I purchase hurricane insurance if a storm is already approaching?

    There may be restrictions on purchasing hurricane insurance if a storm is imminent. It’s essential to obtain coverage well before hurricane season begins to ensure you are protected.

  • Are there exclusions in hurricane insurance policies?

    While hurricane insurance provides broad coverage, there may be exclusions such as pre-existing damage or specific types of flood damage. Our team will explain any exclusions and ensure your policy meets your needs.

get the right coverage today

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Secure Your Property Today

Don’t wait until it’s too late—contact Wright-Gardner Agency today to discuss your hurricane insurance options. Our team is here to help you navigate the complexities of hurricane coverage and provide the support you need. Reach out for a consultation and experience the difference of personalized service and expertise.

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