Insurance Advisor at Oliver L.E. Soden Agency, Inc

What Disasters are Covered by Homeowners Insurance?

In light of the recent hurricanes in Texas and Florida, homeowners across the country are being reminded of how important insurance is. Disasters can strike at any time, so it’s imperative that your home and belongings are properly insured. Standard homeowners policies cover a wide range of natural disasters, but they don’t cover everything.


Let’s explore what disasters are and are not included in a standard homeowners policy. If you feel that there are insurance gaps in your current policy, call Hal Soden to get an updated quote on a comprehensive homeowners policy.


Disasters Covered by Homoewners Insurance


Insurance policies vary, so always discuss your plan with your current carrier. What is covered in your policy is also listed under “perils” so be sure to read this part of your policy. Many homeowners skip over it, but you’d be surprised by some of the disasters covered (volcanic eruption) and not covered (floods).


In general, you can expect the following perils to be covered in a traditional homeowners policy.


  • Fire or lightning strikes

  • Windstorm or hail

  • Explosion

  • Riot or civil commotion

  • Vandalism or mischief

  • Volcanic eruption

  • Damage from aircraft

  • Damage from vehicles

  • Falling objects

  • Weight of sleet, ice or snow

  • Smoke

  • Theft


Disasters Not Covered by Homeowners Insurance

Fortunately, homeowners insurance covers more disasters than not. Still, there are significant damages it will not cover, including:

  • Floods. Flood damage is excluded from homeowners and renters policies. Separate flood insurance is available for purchase through the National Flood Insurance Program (NFIP) or private insurers.


  • Earthquakes. Earthquake coverage is available from most insurance carriers. Depending on your company, you can either add earthquake coverage as a separate policy or an endorsement to your current policy.


  • Sewer backup. Most standard policies do not cover sewer backup. Usually, this type of coverage can be added through an endorsement or separate policy for a minimal cost.


  • Maintenance damage. As a homeowner, it is your responsibility to maintain your home and protect your property from potential damage. If your home has an issue that could have been prevented (i.e., termites, mold), insurance will not cover it.


After reading this information, do you feel that there are gaps in your home insurance coverage? If so, give Hal Soden a call and let’s discuss some of the ways that you can better protect your home from disasters of all types!