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Worried About Storm Damage?

There’s a policy for that.

Does Insurance Cover Storm Damage?

As a homeowner, you can take steps to protect your home from the unexpected, like performing regular maintenance and installing a home security system. But you can’t control what the weather throws your way. Storms are unpredictable and can cause costly damage to your home and belongings. That’s why having the right insurance in place is so important: it can lessen the weight of getting your house — and life — back together after a storm.

Typically, your homeowners insurance policy covers damage from:

  • Windstorms & tornadoes
  • Ice storms
  • Hail damage
  • Lightning strikes
  • Wildfires
  • Fallen trees
  • Power surges

We want to make sure you’re confident your homeowners insurance is there for whatever you worry about. Let’s take a closer look at storm damage and insurance so you gain peace of mind you’re protected for anything Mother Nature throws your way.

FAQs

What Coverage Do I Need?

Improve your homes storm damage protection with these optional coverages.
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Matching Siding Coverage

Your insurance replaces siding damage from covered storms, but it only covers the parts of your home that are damaged. By adding this coverage, you’ll be covered to replace the undamaged siding, if matching siding isn't available, so your house’s exterior will still match.
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Roof Replacement Cost Coverage

This coverage means you’d get what it’d cost to replace your roof today, so we’ll reimburse you for the full amount to repair or replace your roof, minus your deductible.
Learn More
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Sump Pump Overflow Coverage

If your sump pump system ever fails or the power goes out, water overflow may occur. And you're typically not covered for this type of damage. Having this coverage gives you that extra layer of protection.
Learn More
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More on Home Insurance & Storm Damage

Do you worry about anything else when it comes to your home? Let us help give you peace of mind.

Wind & Storm Damage Coverage >

Lightning & Home Insurance >

Power Surges & Insurance >

Hail Damage & Home Insurance >

Appliance Damage & Home Insurance >

Take Control of What You Pay

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Save With Smart Home Technology

Earn a discount for making your home smarter.

We’re all about proactively protecting against the unexpected. Install a qualifying smart home device or protective home system and earn a discount on your home insurance.*

Learn More
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Simplify & Save by Bundling

Combine multiple policies and save on your premium.

Bundling insurance is one of the easiest ways for you to save on your insurance! In fact, when you bundle your home and auto policies you can save up to 23% on both policies together.**

Learn More
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Home Insurance Discounts

Looking to save on your home insurance?

Earning a discount for your home insurance is easier than you think. From smart home devices to bundling, take a look at some of the ways you can lower your home insurance rate.

Learn More

What Else Do You Worry About? We’ll Help.

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Water Damage

Are you covered for water or flood damage? Learn more about what types of insurance coverage in a homeowners policy from American Family can keep you protected.
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Car Accidents

The importance of having auto insurance is no secret, but what exactly does it cover? Let’s take a deeper dive into car insurance coverage and see.
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Storm Damage to My Car

When a storm comes through and leaves your car dented or damaged, what will insurance cover? Learn how comprehensive coverage has your back through the worst of weather.
View All >

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

*Discount and savings amounts and eligibility will very. Some restrictions apply. Discounts may vary by state, property policy form and company underwriting the homeowners policy. Discounts may not apply to all coverage on a property policy.

**Customers who bundle home and auto insurance policies may save up to 23% on both policies together (as of December 2024). Discounts may vary by state, property, policy form and company underwriting the home and/or auto policy. Discounts may not apply to all coverages on a home or auto policy