Homeowners insurance offers a wide net of protection for your home, your belongings, and yourself. Despite these protections, many types of natural disasters may not be covered, which is why it’s so important to do your research when implementing coverage. Here’s what you should know.

How Homeowners Insurance Applies to 3 Common Natural Disasters

1. Floods

Flooding usually requires a separate insurance policy. For example, water damage caused by a storm surge, overflowing river, or other environmental acts will likely not be included with your existing home insurance policy. Some water damage is covered, including plumbing or appliance failures that cause leaks. If you live in an area susceptible to flooding, speak with an agent about a supplemental policy.

2. Hurricanes & Tornadoes

Most home insurance policies cover wind damage caused by storms. In this case, damage caused by a tornado would be covered. When it comes to hurricanes, determining what is and is not covered is a bit trickier. Any water damage that resulted from the storm would not be covered in this case, which is why people in hurricane-prone areas rely on flood insurance as well.  

3. Earthquakes

Unfortunately, most homeowners policies don’t offer protection for earthquake damage. A separate earthquake policy will compensate you for damage incurred as a result of an earthquake, including the cost of rebuilding a structure depending on the details of your policy. Earthquake insurance also covers any belongings and may also pay for temporary lodging if your home is unlivable. 

While determining your homeowners insurance needs can be tricky, Integrity Insurance Solutions is here to lend a hand. As an independent insurance provider, they offer a wide range of products to clients in San Marcos, TX. That way, you can rest assured you’ve received the best coverage option at a price you can afford. They can also help you secure many other types of insurance, including liability coverage, car insurance, coverage for your business, and umbrella policies to fill in the gaps. See the full listing of services by visiting the website or call (512) 396-2211 to speak with an agent today.