Winter Storm Insurance for Homeowners

Winter storm insurance typically covers hail damage, snow and ice damage, and heavy winds. If you need to pay extra for winter storm insurance for homeowners that’s because your policy explicitly excludes this kind of coverage. Take a closer look at your policy and shop for additional winter storm insurance coverage with our free quote comparison tool below if you find that you need it.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 22, 2020

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Winter storms are common throughout most of the country, and can be quite severe in Northern latitudes. The good news is that most policies include the effects of winter storms, such as hail, damage from snow and ice and heavy blowing winds. But since the storms can be particularly costly in some regions, it is up to the homeowner to review their policy and determine whether it contains exclusions that negate the responsibility of the insurance company in your particular case.

Wind damage and damages cause by rain, hail, ice and snow are usually included in home insurance packages, but all insurance companies are different, and some companies, especially in damage-prone areas, may have put exclusions on their policies to prevent heavy losses.

If this happens, you have the option of purchasing separate coverage, called a rider, or shopping for a new insurance company which includes winter storms as part of the basic policy.

Winter storm damages can be incidental as well as direct. For instance, if the storm knock out power for a period of time, you could face the loss of food stored in your refrigerator or freezer, or be forced to eat at restaurants or find other means of providing for your family.

In this situation, the loss of use portion of your insurance policy provides for reimbursement of the money you have to pay out of pocket to maintain a regular standard of living for your family. You should save all the receipts associated with the loss of use, and document how they pertain to the situation, because the better you are able to illustrate the need for such expenses, the easier it will be for the insurance company to justify repaying your costs.

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