WINDSTORM INSURANCE COVERAGE is a special type of property-casualty insurance that is designed to protect policyholders from property damage caused by high winds. Coverage for windstorm insurance is sometimes offered on a standard homeowner policy in some areas of the United States.
However, windstorm insurance would not be offered under a standard homeowner policy in areas of the United States that are prone to windstorms, tornadoes, hurricanes and cyclones. People living in these areas would need to purchase windstorm insurance separately.
In addition to protecting your home, some windstorm insurance policies also cover hail damage and/or damages done to your possessions.