Best Hurricane Insurance

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.

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.

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.

We picked Kin because their policies include hurricane coverage, so you’ll only need one homeowners policy, and most new customers save around $500 when switching.

Kin is a fairly new insurer, founded in 2016. While it only offers insurance in California and hurricane-prone Florida, Kin makes a point to include coverage for hurricane wind damage on all homeowners policies and allows you to add flood insurance as a rider to the same policy. Because you don’t need to purchase a separate policy for hurricane damage, and since Kin claims the average homeowner saves $500 when switching, it packs a lot of value for people looking to save on insurance. 

Kin is primarily an online insurer, which is great for tech-savvy web users. However, you won’t have the same access to in-person support as you would with large, agent-based insurers. It isn’t rated by the large financial stability or customer rating agencies, but earns an A rating (Exceptional) from the smaller Demotech and scores a 4.8 with over 1,800 reviews on Trustpilot.

It doesn’t offer other types of coverage or the ability to bundle, so it isn’t right for everyone. However, a fairly simple and straightforward online application can give you a quote in a short amount of time.

Lemonade offers quick and easy online home insurance coverage that includes coverage for hurricane windstorm damage for homeowners and renters by default, with a separate deductible for personal property.

If you would prefer to handle everything online, Lemonade is another good option. Lemonade breaks out your homeowners policy in a way that includes your dwelling, other structures, personal property, and loss of use of your home. When you apply, you will get a specific offer for your hurricane deductible.

As long as you accept a hurricane deductible for home and property coverage, you will be covered for the wind damage that hurricanes bring (does not include flood damage). The app and website do a good job of having you assess your property coverage and select the right coverage.

If you ever have to file a claim, it may be handled by an automated system for faster processing, but you can still call in and get help from a human if you prefer. Even as a smaller insurer, Lemonade can still get you robust hurricane coverage for your single-family home or condo. It also offers renters, pet, and auto policies. Bundle discounts are available.

Lemonade holds an A rating from Demotech for financial stability. While it isn’t ranked for home insurance, it was top-rated for customer satisfaction in J.D. Power’s 2022 renters insurance survey. That service likely translates to the homeowners product as well and makes it an all-around good choice for covering your property (and home) from hurricanes.

We like Amica because it is a large insurer that offers flexible policies including strong coverage for hurricane-related damage in most East Coast states with the highest customer satisfaction ratings among major insurers.

Rhode Island-based Amica traces its roots back to 1907 and is a large and recognizable home insurer covering the hurricane-prone East Coast. Amica notably earned the top spot from J.D. Power in 2022 for the best property insurance claims satisfaction, a major mark for good customer service. It offers homeowners coverage that includes most hurricane damage, not including floods. Flood insurance is provided by the National Flood Insurance Program.

In addition to insurance coverage, Amica gives customers extensive resources to prepare for a hurricane, mitigate damage, and get back to normal life after the storm passes. You can also get other types of insurance from Amica and qualify for various discounts, such as bundle, loyalty, autopay, and safety discounts. Those savings can add up and make Amica the cheapest option in many cases, even if your initial quote isn’t the lowest.

If you keep a long list of valuables at home, run a business from your home, or want additional catastrophic coverage, you have the option to add these and others to customize your coverage to your needs. Its great customer service and excellent, flexible choices for coverage make Amica a great choice for those on the East Coast as well as other hurricane regions.