Many owners don’t feel the need for hurricane insurance. As you can read elsewhere in the FAQ section, hurricanes veer away from the North Coast due to the local geography.
That being said, other owners do have hurricane insurance. Affordable AND comprehensive home insurance policies are available that include hurricane converage as standard item—which means it’s not an add-on that costs extra.
Generally, the policy will pay when damages exceed a certain percentage of the insured value. For example, when damage is greater than 2% of the value, the policy will pay for all repairs, etc.
That being said, it’s unlikely that you’ll ever need to use hurricane insurance. But there’s nothing wrong with a little extra peace of mind, so it’s available to anyone who wants it.