Homeowners and Disasters

What You Should Know About:

Disasters and Your Homeowners Insurance

Earthquakes, Landslides, Floods! Are you covered if a disaster damages your home?

Three things you should know:

  1. Insured losses for catastrophes in the United States in 2022 totaled $99.9 billion, according to the Insurance Information Institute (I.I.I.).
  2. Flood, earthquake and landslide damage is not covered under a typical Homeowners Insurance policy. To protect your investment in your home, consider adding separate policies to cover these risks. Ask your agent or company, or see the links below.
  3. Be sure to read through your insurance policy to understand your coverage and policy exclusions. A detailed list of what is not covered appears under the heading Exclusions.

Standard Homeowners Insurance provides financial protection if your home or its contents are damaged or destroyed by a variety of perils, including fire, hail, theft, wind, lightning, vandalism, explosions and freezing weather. But certain natural and man-made disasters (such as acts of terrorism or nuclear accidents) are not covered under your standard homeowners policy and special or additional coverage may be needed to make sure you are financially protected if disaster strikes.

After a major disaster, it could take days for utility and emergency services and your insurance adjuster to reach you and your family.  So, state emergency planning agencies urge families to have a plan and supplies to get by for up to 14 days after a natural disaster. Should a catastrophic event damage your home, there are steps you can take to protect your property and help settle your claim faster. Visit our “Homeowners and Claims” page for more information. 

*Some information provided by Insurance Information Institute

Homeowners and Disasters