IS MOTHER NATURE COVERED?

Mother Nature can strike at any moment, and when she does, you’ll want to be prepared. Most home insurance will cover the big disaster cases, but there are still some weather damages that slip through the policy cracks.

What Your Policy Covers

• Fire

Damages from accidental fires and wildfires are commonly covered under most home insurance policies. Some insurers may even cover fire department expenses as well.

• Lightning

Should you be unlucky enough to have lightning strike your home, your home insurance policy should help you repay any damages caused to the structure or your personal belongings.

• Hurricanes and Tornadoes

If a hurricane or tornado were to rip through your town, damaging your home or even destroying it, home insurance coverage would help you get your home back, and many insurers will even cover living expenses while you wait.

• Volcanic Eruptions

This may seem out of the ordinary, but should your home be near a volcanic eruption, your home insurance should pay for any resulting damages that could fall under the “fire” category.

What May Not Be Covered

• Floods

Surprisingly, many policies don’t cover flood damage to homes. If you live in an area that has frequent floods, look into purchasing a separate flood insurance policy. It’s always better to be safe than sorry.

• Earth Movement

This includes earthquakes, mudslides, and sinkholes. Although rare in most parts, if you live in an area that is prone to the ground shifting, it is advised you purchase a separate policy for this.

It’s always a good idea to be prepared for the unexpected, and sometimes Mother Nature can be harsh. Protect your home from her wrath, and you could end up saving tons of money, time, and energy in the future.

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