How to Get Tornado Insurance

Tornados are natural disasters that can strike anytime. Having the proper insurance is essential when a tornado damages your home and personal property. Insurance gives you a sense of security from any damage that a tornado may cause. Don't wait for a tornado to strike before getting tornado insurance.

Instructions

Difficulty: Moderately Easy

Things You’ll Need:

• internet
• phone book
• phone

1. Check your current policy: your homeowner's insurance may already cover tornados. Unlike floods and hurricanes, tornado insurance is relatively uncomplicated and may actually be a part of your current policy.
2. Look in the phone book where many insurance providers are listed. Make a list and call each company. Ask what kind of policies they offer and what will be needed to start a policy.
3. Go online. American Modern and AMI are good places to start. Several insurance companies have information on the internet. This will give you an idea of what to expect from the insurance policy you are going to get. The internet gives you plenty of information in a short amount of time without actually calling or making a visit to an insurance agency.
4. Get quotes after calling insurance companies out of the phone book and looking at different providers on the internet. If calling the insurance company they may ask you questions and give you an estimate of a policy. The internet often provides quotes from several companies to make price comparison shopping easier.
5. Give the insurance agent all the information they need. When talking to an agent about tornado insurance make sure to give them everything they need. Write down the serial numbers of your belongings. It is also a good idea to take pictures of your home and belongings. Put all the information in a safe place. A safe deposit box is an ideal location for your insurance information.
6. Give the insurance agent all the information they need. When talking to an agent about tornado insurance make sure to give them everything they need. Write down the serial numbers of your belongings. It is also a good idea to take pictures of your home and belongings. Put all the information in a safe place. A safe deposit box is an ideal location for your insurance information.

Tips & Warnings

• Take into account what competitors offers are.
• don't assume, if you have home insurance, that tornado coverage is automatic.