What Does Your Home Insurance Cover When It Comes to Disasters?

Protect your home from natural disasters.signs that says "disaster ahead"

As a homeowner, natural disasters are an unavoidable risk.  This is why it’s so important to have the right home insurance to rely on.  Unfortunately, many homeowners are not sure exactly what their policy covers when it comes to natural disasters.  To help you out, here’s how your policy can protect you.

  • Hurricane Coverage

If your home is in the path of a hurricane or tropical storm, then your home may sustain damage from high winds, heavy rain, and extreme flooding.  Fortunately, your home insurance policy will offer coverage for the damages related to wind, rain, and hail.  However, if your home is damaged by floodwater, then your policy will not offer coverage for repairs.  The only way to secure flood coverage is with a specialty flood insurance policy.

  • Wildfire

All home insurance policies included fire as a covered peril.  This means that you will have coverage for your home and the belongings that are damaged in a wildfire.  However, if you live in an area with a particularly high risk for wildfires, then your insurer might refuse to cover wildfire risks.  Even if your insurer does offer wildfire coverage, this coverage may not be enough.  You can secure additional coverage with fire-specific endorsements and insurance policies.

  • Earthquake and Flood

Standard home insurance policies specifically exclude coverage for earthquakes and floods.  The only way to protect against these natural disasters is by securing a specialty earthquake or flood insurance policy.

This is what your homeowners insurance will cover when it comes to these common types of natural disasters.  Do you have further questions about your home insurance coverage?  If so, then contact the experts at ISU-Wissink Insurance in Culver City, California.  We are ready to assist you with all your insurance needs today.