Which Disasters Are Covered by Your Home Insurance?

Which Disasters Are Covered by Your Home Insurance?

Coverage for your home against natural disasters.

A home is one of the most expensive assets owned by most Americans. Homeowners spend a significant part of their savings and life’s earnings buying and furnishing their property. While no one wants to think about the worst that can happen, homeowners should be ready for natural and man-made disasters. While some disasters may be covered under your policy, many others may require you to pay for the damages from your own pocket.

A standard home insurance policy will cover the following disasters:

  • Fire or lighting
  • Windstorm or hail
  • Explosion
  • Smoke damage
  • Vandalism
  • Theft
  • Damage caused by vehicles
  • Damage caused by aircraft
  • Riot or civil commotion

In addition to these disasters, most home insurance policies will protect from falling objects, theft, vandalism, smoke, and accidental discharge from plumbing or heating.

Read through your home insurance policy so you know which disasters are covered. Equally, it’s important to know which disasters are not covered. Mudslides, landslides, sinkholes, floods, and earthquakes are generally not covered in standard home insurance policies. You can purchase separate coverage for flood and earthquake damages, protecting your home and belongings from these risks.

To find reliable homeowners insurance that will protect you and your property, visit the experts at Kurt Rolf Insurance Agency. Our team is ready to assist homeowners in Minnesota, Wisconsin, Florida, South Dakota, and Arizona with their home insurance needs!