Living in Omaha, NE, means that you’ll sometimes be subjected to hail. While hail can seem fun, it can end up damaging your home, and you’ll want to know if your home insurance policy covers it. The truth is that not all insurance policies cover hail. So, our Ed Thompson Insurance Agency agents are here to walk you through what you should know.

Understanding Hail as a "Covered Peril"

Often, hail is listed in home insurance policies as a covered peril, which means that if the hail damages your home, the policy will cover repairs and replacements. However, if it damages anything else, then you may not be protected. Ensuring that all of your property is covered is essential.

Remembering the Role of Deductibles

People often forget that they have to pay a deductible before the home insurance policy kicks in. So, if you have hail that damages your home, you may have to pay for it before insurance kicks in. That’s why it’s important to understand what your deductible is and how much is covered.

In Omaha, NE, one of the major issues is that some areas are prone to hailstorms. If your home is in an area prone to these weather conditions, you will be paying higher deductibles already. Insurance companies will have higher premiums in this area to account for hailstorms and the damage that they cause.

Exploring Additional Hail Coverage Plans

Luckily, if you live in an area that has hail frequently, you can purchase additional or specialized coverage. Not all insurances offer this, so you’ll want to check with your home insurance policy before buying a plan. That said, if you’re still confused about the process, our agents at ED Thompson Insurance Agency can help you find additional plans suitable to your coverage. All you have to do is contact us today.