• Category 3 hurricanes, although making landfall typically in the gulf coast or east-central Florida, causes considerable wind and flood damage reaching all the way north to New Jersey and Pennsylvania.
• Severe ice storms are unfortunately not uncommon in the Northeast. Over $1.4 billion in damages was incurred from the 1998 ice storm that hit Maine, New Hampshire, and New York.
• Big cities like New York City are not immune to natural disasters. A 1992 nor'easter submerged parts of uptown in 4 ft. of water, causing damage to 20,000 homes

People who call New York home have learned to live with the threat of flooding, thunderstorms, and severe winter storms (including the notorious nor'easter). Lightning, produced by thunderstorms, injures an average of 300 people each year. In 1995, severe winter weather caused 17 fatalities and $110.5 million in damages.

Many homeowners realize that the safest place to be during a thunderstorm, flooding, or a winter storm is inside the home, but while the family is safe, dry, and warm inside the home, the home's foundation, plumbing, roofing and exterior may be suffering. Blizzards, rain, freezing sleet, dangerous combinations of hi/low temperatures, and wind are all conditions that can damage or even destroy a home.

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The biggest mistake you can make is to do nothing at all; New York residents need to prepare for these and other natural disasters by ensuring the right home insurance policy is in place. Hundreds of insurance companies, many of which are disreputable, sell homeowners insurance in New York. It's difficult not only to differentiate the legitimate companies from the illegitimate, but it can be difficult for New York consumers to find the right policy at the lowest possible price. At insurehome.net, you can find the lowest real-time insurance quotes in New York.

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