Are you sure your home is fully insured for a hurricane? Published: Tags: 2021 Hurricane Season Hurricane Insurance with Joe Shapiro Your home is no doubt your most valuable investment. That’s why you have a homeowners insurance policy to protect it. But even the best policy won’t pay for every kind of hurricane damage. If there’s water damage you need additional protection. If you live near the coast and a tropical storm or hurricane hits, understanding what your homeowner’s policy is key if your items are lost or damaged. If there’s flooding and water damage that homeowner’s policy you have won’t cover your belongings.