Strong wind and hail can cause serious and expensive damage to your home. You don’t want you home to get damaged in a storm and then find out that your insurance doesn’t protect you from wind and hail leaving you to pay for repairs out-of-pocket.
If you own more than one property, then you will need to get separate wind and hail coverage for those buildings too.
Your plan will only protect your primary residence which leaves you with holes in your coverage that can cost you a lot of money.