Are Natural Disasters Covered In Home Insurance?

​There is no such thing as natural disaster insurance that you can buy, but there are specific add-on policies. Despite the extensive coverage provided by a standard homeowners policy, it's crucial to understand that your policy has limitations. A standard policy only sometimes provides coverage for events like flooding and earthquakes.

Given the variety of possible policy types for home insurance, it is crucial to understand what is and is not covered.

What Disasters Are Covered?
Contact your homeowners' insurance provider to be sure you are protected before assuming you are. The sort of policy you have and the policy limitations you select are important.

1. Fire
   If a fire damages your personal property, you are insured. Except for the insurance limits, there are normally no restrictions unless you reside in a wildfire-prone area. Additionally covered are the dismantling and disposal of damaged objects and materials.
   
   
2. Explosions
   In most cases, an explosion in or near your house is a covered risk. If an unintentional explosion harms it, your property insurance should cover it. Also considered would be a riot-related explosion.
   
   
3. Tornadoes
   High winds from tornadoes can harm your home and other personal possessions. You should be financially protected from these forms of damage by most personal property insurance policies. Any typical homeowner insurance policy does not cover flood damage brought on by a tornado.
   
   
4. Freezing
   Most common homeowners' insurances include coverage for personal property damages brought on by extremely low temperatures. Although this may not compensate for the damage caused by a burst pipe caused by the cold, it should be. If the snow harms your home, that harm is typically also covered.
   
   
5. Lightning Strikes
   Your wires could be harmed by a fire started by a bolt of lightning. A standard homeowners policy typically offers compensation even if lightning destroys your home.

Conclusion
Major calamities can be heartbreaking, particularly if you live in a terrible house. Have a survival kit prepared and ready to go in a natural disaster to minimize damage and stay safe. You can use sandbags to keep water from entering your home based on where you reside.

It is also a smart option to get in touch with your house insurance provider to find out what kind of coverage you have. Identify the situation immediately if a natural disaster has caused harm.

At Appletree Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (603) 881-9900. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!