Policy without Wind/Hail/Storm Insurance?

[Kaushik R.]

The Landlord insurance policy quotes I am receiving has a high deductible for Wind/Hail/Named Storm coverage which effectively means replacing the roof would be out of pocket for me which defeats the purpose of carrying this insurance. Are you all still including this coverage (Wind/Hail/Storm) and paying the premium for it or are you buying policies without Wind coverage?

Is Water backup endorsement important to add on? The property does not have a basement or sump pump and is not in a flood zone.