A major storm, wildfire, or flood can strike at any time, potentially destroying your home and everything you own. While your home insurance policy can’t prevent natural disasters, it will protect you from the financial fallout and help you rebuild your life. To help you understand how you can benefit from this protection, here are a few ways your homeowner’s policy shields you from the unexpected.

What Homeowner’s Insurance Covers After a Natural Disaster

1. Home Repairs

Home insurance policies will fix or even replace your home if it's damaged or destroyed by a covered event. Most protect you against high wind, tornadoes, and fire, although some specific perils might be excluded. For instance, you might need to purchase additional flood insurance to protect you against rising waters.

2. Damaged Property

After a powerful disaster, many families find themselves needing to replace everything they own, from expensive furniture to clothing. The standard home insurance policy includes personal property coverage, which pays to replace possessions ruined in a covered event.

3. Stolen Property

Even if your electronics, jewelry, and other valuables survive the disaster, they’re still vulnerable to looting and theft if the event has left your home exposed. Fortunately, the umbrella of protection provided by home insurance will compensate you for anything stolen in the aftermath.

4. Living Arrangements

Maybe a storm tore off your roof, or extensive smoke damage makes your home uninhabitable while repairs are underway. One little-known benefit of home insurance is payment for alternate living arrangements, including hotel fees and food, until construction is finished. This allows you and your family to focus on recovering from the disaster rather than worrying about how much your housing will cost.
 

For over a century, homeowners throughout the Sparta, WI area have relied on Edwards Insurance Agency to protect their most valuable investments. Their team of experienced agents will compare policies from a variety of trustworthy carriers and walk you through choosing a home insurance policy that suits your needs and budget. Visit their website for more on their wide range of insurance options, or call (608) 269-4512 to request a free quote.