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Tornado on the Open PrairieThough there are places where tornadoes are more likely to occur, they can happen anywhere and at any time. The destructive force of just one powerful tornado can have devastating effects on your home and property. There's not much you can do to protect your family from the chance that these storms could blow through, but you can ensure that your finances are protected with the help of comprehensive home insurance.

Many standard home insurance policies can offer protection if your home is damaged by a tornado. So long as your policy coverage limits reflect the overall value of your home and belongings, you may receive a payout large enough to cover your losses.

But to ensure that the tornado damage is covered (and not excluded based on technicalities), it's best to add windstorm coverage to your policy. Windstorm coverage specifically targets property damage caused by tornadoes, hurricanes and other severe storms that produce strong winds.

The key to purchasing enough insurance is to ensure that your policy is large enough to cover the expense of rebuilding your home from the ground up, in the event of the worst case scenario. This includes construction materials at their current market value, labor costs and the value of your belongings — such as furniture, artwork, kitchen appliances, computer equipment and more.

Additionally, you'll want to have comprehensive auto insurance to protect any damages to your car that may occur during the storm, as these will not be covered by your home insurance. Consult with your local insurance agent to get the best coverage to protect you and your family from damaging winds and tornadoes.

Get the coverage you need. Call Lancette Agency, LLC at (651) 264-1230 for more information on Minnesota home insurance.
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