In recent years, we have all been reminded of the power of hurricanes and other natural disasters that can happen along America’s coastline, especially along the Gulf Coast and the Eastern Seaboard regions. In fact, the risks are so great that in many states it is impossible to get a home insurance online quote that includes storm or hurricane coverage, because most insurance companies consider people living on the coast to be too much of a risk.
One alternative is Beach and Windstorm Plans. These are state-funded pools that require insurance companies doing business in the state to pay into a fund that is used to offer additional hurricane and storm home owner insurance coverage. Currently, Alabama, Florida, Louisiana, Mississippi, North Carolina, South Carolina and Texas all offer this additional coverage. So when you are getting a free home insurance quote in these states, also do some research on this very valuable additional coverage.