EXCLUDE (X)WIND and FLOOD INSURANCE

X-WIND POLICY

X-Wind policies do not cover any wind-driven event on your homeowners policy, including hurricanes, tropical storms, and tornadoes. If you have a mortgage on your home, the lender will not allow you to purchase this policy. This route is cheaper for most, but your house will be vulnerable during storm season. 

Some elect this coverage because their house is paid off and they can't afford the high premiums on homeowners -- if you elect this type of coverage, there is no liability on Page Insurance Group.

FLOOD INSURANCE

Protection against water damage caused by rising water, overflowing rivers, or rapid runoff. Required in many FEMA-designated high-risk zones and recommended even in moderate-to-low-risk areas, flood coverage ensures you're not left footing the bill for costly water damage repairs.

Coverage is available for house, personal property, and loss of use if you are displaced.