Which type of insurance would typically cover damage to a home from a hurricane?

Flood insurance is specifically designed to cover damage caused by flooding, which is a common occurrence during hurricanes. While standard homeowner's insurance generally covers various types of damage to a home, it typically excludes flood-related damage. This exclusion recognizes that flooding represents a different risk than other perils that homeowner's insurance might cover, and therefore requires a separate policy to protect homeowners against losses stemming from flood events.

While homeowners might think their insurance covers all types of water damage, many policies explicitly outline that flooding, as a result of hurricanes or otherwise, is not included. Thus, those living in hurricane-prone areas are often encouraged to purchase flood insurance to ensure they are financially protected in the event of water damage from rising waters.

Liability insurance primarily addresses injuries or damage to other people or their property caused by the policyholder but does not cover property damage to the insured's own home. Comprehensive insurance generally pertains to coverage for vehicles and does not apply to homeowner's context. Hence, flood insurance is essential for hurricane-related damage, making it the most pertinent choice for this scenario.