Windstorms occur anywhere, even in Los Angeles. Powerful winds can arrive quickly with a thunderstorm or hurricane and, at other times, without rain or precipitation. Windstorms can devastate your home and wallet, which is why a windstorm insurance policy may be worthwhile protection. 

What Is Windstorm Insurance? 
Windstorm insurance is a type of property insurance that covers your home if wind damages it. Windstorm insurance can apply to hurricanes, tornados or other intense wind damage. This coverage can often be added to your existing home insurance or bought as a separate policy.  

A windstorm policy might help restore or replace your home and belongings if you experience damage from a covered occurrence. Los Angeles doesn’t require wind insurance, but if you live in a coastal area, you may want to consider this protection. Esplanade Insurance Agency Inc. can help you determine what coverage can maximize your protection. 

What Does Windstorm Insurance Cover? 
Your homeowners insurance typically covers the cost of repairs if your home is damaged by wind or hail. However, windstorm insurance is sometimes available as an add-on to your homeowners policy, or you may purchase a separate wind-only policy. We can help ensure you have the appropriate coverage for your living situation.   

Windstorm coverage often has certain limitations such as the following:  

• Vehicles aren’t typically covered under homeowners insurance. If a tree falls on a vehicle during a wind event, you may need comprehensive auto insurance to cover this incident.
• Usually, only your home and the belongings you keep inside have windstorm coverage.
• Swimming pools, garages and sheds often require additional insurance for coverage. 

How Much Does Windstorm Insurance Cost? 
Your home’s location, size, value and age may affect the cost of your windstorm insurance premium. Our agents can help you determine what coverage may provide you with the most value. 

Gain Peace of Mind 
If a windstorm damages your home and belongings, you could experience devastating financial damage. Call Esplanade Insurance Agency at 504-273-1500 to get the wind protection you need.