Most people do not realize that not every natural disaster is covered by your Homeowner’s Insurance Policy. The typical Homeowner’s Insurance Policy offers coverage for fires, lightning strikes, windstorms, and hail. Earthquakes and flooding are not typically covered.
As a Homeowner, you should discuss your options with your Insurance Agent. If you want to purchase earthquake or flood insurance and your Policy does not provide the coverage you need, you can inquire about a separate insurance policy that will cover your home and belongings.