{"id":107,"date":"2024-02-16T04:00:00","date_gmt":"2024-02-16T10:00:00","guid":{"rendered":"https:\/\/www.irvingtoninsurance.com\/blog\/?p=107"},"modified":"2024-02-15T11:37:45","modified_gmt":"2024-02-15T17:37:45","slug":"does-homeowners-insurance-cover-all-natural-disasters","status":"publish","type":"post","link":"https:\/\/www.irvingtoninsurance.com\/blog\/does-homeowners-insurance-cover-all-natural-disasters\/","title":{"rendered":"Does Homeowners Insurance Cover All Natural Disasters?"},"content":{"rendered":"<p>Whether you&#8217;ve been a homeowner for a while or just recently become one, you might have some questions about homeowners insurance and what it covers. Many homeowners have one question: how to file a claim, while others wonder if homeowners insurance covers natural disasters. While it would seem logical for homeowners insurance to cover natural disasters, they don&#8217;t since they&#8217;re out of your control. Here is a brief overview of what&#8217;s not covered.<\/p>\n<h2><strong>Many Natural Disasters Are Covered<\/strong><\/h2>\n<p>Even though homeowner&#8217;s insurance doesn&#8217;t cover all natural disasters, some common ones aren&#8217;t. These disasters are often covered:<\/p>\n<ul>\n<li>Tornadoes\/hurricanes\/similar&nbsp;wind and hail damage<\/li>\n<li>Winter storms involving snow, sleet, and freezing rain<\/li>\n<li>Lightning and thunderstorms<\/li>\n<li>Explosions<\/li>\n<li>Volcanic eruptions<\/li>\n<\/ul>\n<h2><strong>Natural Disasters That Aren&#8217;t Covered<\/strong><\/h2>\n<p>Again, some natural disasters aren&#8217;t covered under your primary homeowner&#8217;s insurance policy. If you want coverage for these uncovered disasters, you&#8217;ll need to purchase an additional insurance policy. The natural disasters that typically aren&#8217;t covered are the ones that aren&#8217;t on the list above. This is why purchasing additional coverage is important if you live in an area where other natural disasters are common. Flood insurance is a common add-on, even for homeowners who don&#8217;t live in high flood areas. There are other homeowner&#8217;s insurance add-ons, so be sure to discuss what&#8217;s available with your insurance agent, who can explain all the different policies.&nbsp;<\/p>\n<p>As you can see, most standard homeowner&#8217;s insurance policies don&#8217;t cover all natural disasters, but some cover many. If you&#8217;re an Indianapolis, IN, homeowner and need a new insurance company, you should consider us at Irvington Insurance. At Irvington Insurance, we provide top-notch coverage for Indianapolis, IN residents and beyond. Give us a call today for a quote.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you&#8217;ve been a homeowner for a while or just recently become one, you might have some questions about homeowners insurance and what it covers. Many homeowners have one question: how to file a claim, while others wonder if homeowners insurance covers natural disasters. While it would seem logical for homeowners insurance to cover natural [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[6,5],"class_list":["post-107","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-indianapolis-in","tag-irvington-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.irvingtoninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/107","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.irvingtoninsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.irvingtoninsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.irvingtoninsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.irvingtoninsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=107"}],"version-history":[{"count":1,"href":"https:\/\/www.irvingtoninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/107\/revisions"}],"predecessor-version":[{"id":108,"href":"https:\/\/www.irvingtoninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/107\/revisions\/108"}],"wp:attachment":[{"href":"https:\/\/www.irvingtoninsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=107"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.irvingtoninsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=107"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.irvingtoninsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=107"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}