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  • If you have property in Florida and would like to get a quote: Call 800-824-4282 800-824-4282 Monday to Friday, 6:30 a.m. to 5:30 p.m. Central Time.

  • If you have property in Alabama, North Carolina, South Carolina or Texas and would like to get a quote: Call 800-845-8021 800-845-8021 Monday to Friday, 7:30 a.m. to 6 p.m. Central Time.

  • If you have property in Louisiana and would like to get a quote: Call 800-845-8174 800-845-8174 Monday to Friday, 7:30 a.m. to 6 p.m. Central Time.

  • If you have property in Mississippi and would like to get a quote: Call 866-786-7610 866-786-7610 Monday to Friday, 9:00 a.m. to 5 p.m. Central Time.

What's windstorm insurance?

It's specialized property insurance, also known as hurricane insurance. It helps cover your home, other structures and personal belongings if they're damaged by hurricanes, hail, tornadoes or other windstorm events. A standard homeowners policy may not cover these types of events if you live in a high-risk coastal area. And most property insurance won't cover storm surge or flood damage. If you're thinking about buying a home in one of these areas, your lender will most likely require you to have windstorm insurance and flood insurance in addition to homeowners insurance.

Let's review some scenarios your windstorm insurance may cover.

  • Hail Damage

    You have broken windows or dents in your siding, shingles, metal panels and gutters.

  • Hurricane Damage

    Your walls collapse and some of your personal belongings are damaged. Keep in mind, you'll need to file a separate claim for damage caused by flooding or storm surge.

  • Tornado Damage

    The storm damages your roof, doors and windows. Your shed or detached garage could also be gone.

Do I need windstorm insurance?

If you live near the coast in any of the following states, your homeowners insurance most likely excludes windstorm coverage and you'll need to purchase a separate policy. We work with our insurance agency alliances to help make sure you get a great mix of pricing and service to protect your home.

Agency Alliances by State

Partial U.S. map showing the following states with agency alliances for windstorm coverage: Alabama, Florida, Mississippi, North Carolina, South Carolina, Texas and Louisiana

Alabama

Florida

Louisiana

Mississippi

North Carolina

South Carolina

Texas

How do deductibles and claims work?

You'll usually have separate wind and hurricane deductibles on your windstorm policy. Hurricane deductibles can be more expensive, and you'll typically pay them to cover damage from a named storm. Your state windpool or insurance company should have guidelines in place for when each deductible applies.

State windpool insurance claims

Start a claim with one of our state-managed insurance pools by calling a USAA representative at 800-531-USAA (8722).

Windstorm insurance FAQ

Several factors affect how much you pay for windstorm insurance. Where you live, your home's age and condition and the coverage you select are some of the things that influence your premium.

  • If you have property in Florida and would like to get a quote, call 800-824-4282800-824-4282. Hours of operation are Monday to Friday, 6:30 a.m. to 5:30 p.m. CT.
  • If you have property in Alabama, North Carolina, South Carolina or Texas and would like to get a quote, call 800-845-8021800-845-8021. Hours of operation are Monday to Friday, 7:30 a.m. to 6 p.m. CT.
  • If you have property in Louisiana and would like to get a quote, call 800-845-8174800-845-8174. Hours of operation are Monday to Friday, 7:30 a.m. to 6 p.m. CT.
  • If you have property in Mississippi and would like to get a quote, call 866-786-7610866-786-7610. Hours of operation are Monday to Friday, 9 a.m. to 5 p.m. CT.

Get the protection that fits your needs.