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Tribune News Service
Tribune News Service
Business
Gary M. Singer

Real estate Q&A: Do we need windstorm insurance if we don’t have a mortgage?

Insurance Hurricane

Q: My husband and I are both in our mid-40s and own a small home with no mortgage. Based on previous experience with windstorm insurance, we have not purchased this coverage on our home, and we only have homeowners’ insurance. Is this a dangerous way to save money and to be in control of who and how to repair our home if a hurricane damages it? — Amanda

A: It is essential to get appropriate insurance to fit your situation.

There are many forms of insurance that people have to choose from. Young, healthy people have different health insurance needs than older people. The same applies to different types of homes owned by people in different situations.

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