Homeowners insurance and tornado coverage are related concepts, but they serve different purposes.
HOMEOWNER’S INSURANCE
Coverage Scope: Homeowners insurance is a comprehensive policy that provides financial protection for various aspects of your home and belongings.
Perils Covered: It typically covers a broad range of perils, including fire, theft, vandalism, and certain natural disasters like hurricanes, but it may not explicitly mention tornadoes.
Dwelling Coverage: Homeowners insurance includes dwelling coverage, which helps repair or rebuild your home if it's damaged or destroyed by covered perils.
TORNADO COVERAGE WITH SOLA
Specific Coverage: Tornado coverage is a more specific type of insurance that specifically addresses the damages caused by tornadoes.
Focus on Tornado Risk: While homeowners insurance might cover tornado damage implicitly, having separate tornado coverage ensures a more targeted and explicit protection against tornado-related damages.
Supplementary to Homeowners Insurance: Tornado coverage is often an endorsement or rider that you can add to your homeowner’s insurance policy to enhance protection against tornado-related risks.
In summary, homeowners insurance is a broader policy that covers a range of risks, including some natural disasters, while tornado coverage is a more specific form of protection tailored to the risks associated with tornadoes. In areas prone to tornadoes, having both types of coverage ensures more comprehensive protection against various potential threats.
It's essential to review your homeowners insurance policy and, if necessary, add specific tornado coverage to address the unique risks posed by tornadoes in your region.
Call us today to add a Sola Tornado policy to your protection package.
