Hurricane Insurance

Hurricane Insurance

Hurricane Insurance Coverage

At John H. Connors Insurance, we know how devastating hurricanes can be—for homes, businesses, and entire communities. Our Hurricane Insurance solutions are built to protect what matters most when strong winds, flooding, and storm surges strike. Whether you're safeguarding your primary residence, rental property, or commercial building, we help ensure your assets are prepared, covered, and resilient in the face of severe weather.

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Windstorm & Structural Coverage

Hurricane Insurance typically includes windstorm protection that covers damage to your roof, windows, siding, and structural integrity caused by high winds and flying debris—damage that standard homeowners insurance may exclude.

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Flood Protection Add-Ons

Because standard hurricane and homeowners policies don’t cover flooding, we offer access to separate flood insuranceto protect against water damage caused by storm surge, heavy rain, or rising tides.

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Business Interruption Support

For businesses impacted by hurricane-related closures, we offer optional business interruption coverage to help recover lost income and operating costs while you rebuild and reopen.

Answers to Your Hurricane Insurance Questions

  • Is hurricane insurance mandatory in Hawaii?

    Homeowners insurance helps protect your home, personal belongings, and liability in case of unexpected events like fire, theft, or certain types of damage. It can also cover additional living expenses if you need to temporarily relocate while your home is being repaired.


    However, standard homeowners insurance in Hawaii does not cover hurricane or flood damage—two common risks in the islands. To be fully protected, you may need to purchase separate hurricane and flood insurance policies in addition to your homeowners coverage.

  • Does my homeowners policy cover hurricane damage?

    Flood damage is not covered under a standard homeowners insurance policy and requires a separate flood insurance policy.


    Hurricane coverage in Hawaii may be included in a homeowners policy or may be excluded and offered through a separate hurricane policy—this depends on your insurer and the terms of your policy. It's important to carefully review your coverage or speak with your insurance provider to confirm how hurricane risks are handled in your specific case.

  • How can I reduce my hurricane insurance premiums?

    Installing storm shutters, reinforcing your roof, and choosing a higher deductible can help lower your premiums.

Storm-Proof Your Future with Confidence

When a hurricane strikes, it’s too late to wonder if you’re covered. At John H. Connors Insurance, we work with you in advance to build a tailored hurricane insurance solution that ensures you can weather any storm. From your roof to your revenue, we’ve got you covered—so you can move forward with confidence.