Which Natural Disasters are Covered by Homeowners Insurance?

Here’s what your home insurance covers when it comes to these common perils.

Natural disasters are unavoidable, no matter where you live.  As a homeowner, the idea of a natural disaster damaging your home and belongings is a terrifying thought.  Fortunately, having comprehensive homeowners insurance can give you some peace of mind.  But does your home insurance protect against all-natural disasters?  Here’s what you need to know.

  • 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 coverage.  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.

  • Land and Mudslides

Insurance companies categorize land and mudslides as earth movement.  As earth movement damages are excluded from standard home insurance policies, you will not have coverage for these types of natural disasters.  Specialty policies are available for those who live in areas prone to land or mudslides.

  • 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 Duane Weber Insurance, Inc. in Kent, Washington.  We are ready to assist you with all your insurance needs today.

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