Will your home policy offer you the protection that you need in the face of a disaster?

When you purchase homeowners insurance, it is on the assumption that your policy will have your back, no matter what comes your way. However, when it comes to natural disasters, this isn’t always the case. Read on to learn exactly what your homeowners insurance will cover when it comes to major damage events.

What is covered?

When you purchase homeowners insurance, your policy will include protection against certain hazards or perils. While your individual policy will specify exactly what you are covered for, if you have the HO-2 or broad policy form of homeowners insurance, you are covered for the following 16 disasters:

  1. Lightning or Fire
  2. Hail or Windstorm
  3. Explosions
  4. Damage caused by an aircraft
  5. Theft
  6. Riots or civil disturbances
  7. Smoke damage
  8. Damage caused by vehicles
  9. Vandalism
  10. Falling objects
  11. Volcanic eruption
  12. Pipe freezing
  13. Damage from the weight of snow and ice
  14. Water damage from plumbing, heating, or air conditioning
  15. Water heater cracking, tearing, and burning
  16. Damage from electrical currents

If you have the more common HO-3 or special policy form of home insurance, then you have extended coverage. In fact, you will have protection against every peril unless they are specifically named and excluded in your policy.

What isn’t covered?

While homeowners insurance will offer you pretty comprehensive coverage when it comes to natural disasters, your policy will not offer you coverage for earthquake or flooding damage. To secure coverage for these specific perils, you will need to get a specialty earthquake or flood insurance policy.

This is what your home insurance will and will not cover when it comes to natural disasters. Are you interested in learning more about your home insurance coverages? If so, contact the experts at Stromsoe Insurance Agency in Murrieta, California. We are ready to assist you with all your coverage needs today.

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