Which Natural Disasters Are Covered By Home Insurance?

For most individuals and families, a home is, without a doubt, their most valuable asset. Quite naturally, every homeowner wants to protect his home, family, and possessions within the house. And for this, investing in home insurance in Atlanta, GA, is the first step.

Standard homeowner’s policies cover many potential disasters, from tornadoes to lightning strikes to winter storm damage. With an affordable and comprehensive insurance plan, you can easily add silver lining protection to your home from all risks arising out of burglary, robbery, and theft.    

Let’s look at natural disasters that home insurance may typically cover:

1. Hurricanes:

Whether you live in Florida, Atlanta, South Carolina, New York, or somewhere else in the vicinity of America’s many miles of shoreline, the risks of being hit by a hurricane are real. They can be downright devastating and deadly. But if you have the proper homeowner’s insurance policy, you can ensure your home and belongings are safe from hurricanes. It protects your personal belongings and many other things located on your property if a hurricane causes damage or destruction.

2. Floods:

Insurance plans that offer coverage for damage caused by natural disasters will also cover inundation losses caused due to natural flooding. Also, make sure about the specifics of the coverage offered, especially if you live in a flood-prone city.

3. Fire:

Under a standard homeowner’s insurance policy, your dwelling and personal property are both covered if a fire causes damage. There are typically not any restrictions except for your policy limits unless you live in an area prone to wildfires or the fire was intentionally set. Tear-down and removal of damaged materials and belongings are also covered. High-value items like jewelry and fine arts may have limited or no coverage if they are not scheduled property.

4. Tornadoes:

Tornados are often more potent than hurricanes and always strike with less notice than their often-feared counterparts. Since they can occur on the flat plains. If you have homeowner’s insurance coverage, you’re covered for damage caused by tornadoes. But, you should make sure to consult with home insurance companies in Atlanta, GA, and check your policy beforehand to make sure you have enough coverage in the event of a catastrophic incident.

5. Volcanoes:

A volcanic eruption could also produce ash, dust, lava flow, and shock waves. Homeowners' insurance will usually cover damage to the dwelling and personal property. A resulting explosion or fire should also be covered. Earth movement, landslide, tremors, mudslide, or earthquake caused by a volcano is not usually covered under homeowners insurance.

Damage that is not covered by home insurance: 

• Earthquakes
• Tsunami
• Nuclear event

Experiencing a natural disaster can be devastating, especially if you have a catastrophic home or personal loss. It is also a good idea to speak with your home insurance company to determine what type of coverage you have to make sure you are covered for damage caused by natural disasters. Plus, choose home insurance wisely.