Whether it’s a hurricane, earthquake, or flooding, natural disasters can ravage your home. Even with a home insurance policy in place, you might still find yourself underinsured, which means you could be footing the bill for necessary repairs. Because different types of natural disasters can occur in different areas of the country, knowing which risks face your home is crucial to ensure you have the right insurance coverage in place.

What’s Covered by Home Insurance & What’s Not

1. Snowstorms

Most regions of the U.S. are prone to snowstorms. Accordingly, most homeowners insurance policies cover things like damaged roofs, which can result from a large accumulation of snow. However, not all damage related to cold weather is covered. For instance, should your basement flood due to melting snow, a flood insurance policy will be necessary to cover costs.

2. Earthquakes

In the event of an earthquake, you’ll need a separate policy to ensure the damage is covered. Additionally, it can be difficult to procure earthquake coverage for those that need it most. Homes situated close to fault lines are often subject to limited protections. Showing that your home has been safeguarded against earthquakes is another factor when it comes to obtaining this type of insurance. In many cases, insurance agencies require homeowners to prove they’ve taken steps to ensure the damage caused by earthquakes will be minimal, such as bolting the structure to its foundation.

3. Tornadoes

The good news is that most home insurance policies offer coverage for damage caused by tornadoes, or high winds in general. However, you should review your policy to establish whether the coverage limitation is sufficient. If your limit is set at $50,000 and the damage to your home totals $100,000, you’ll be forced to cover the remainder on your own. Also, make sure your policy offers variable coverage, such as that which covers belongings kept in your home at the time of a natural disaster.

In Mooresville, IN, State Farm Agent Bruce Richardson can assist local homeowners in finding the specific coverage they need to ensure their investment is well protected. This entails knowing the risks that Indiana homeowners face and providing policies that offer comprehensive coverage at a reasonable price. Get a home insurance quote today by calling (317) 831-3500. You can also like Bruce on Facebook for more information. With two decades of experience, you know you can trust in the guidance offered by the State Farm team.