Does homeowners insurance cover natural disasters?

It covers some, like windstorms and hail, but typically excludes floods and earthquakes. Separate policies are needed for those specific disasters.

Homeowners insurance generally covers natural disasters such as fire, windstorms, and hail. However, events like floods and earthquakes are usually not covered and require separate policies.

If a hailstorm damages your roof, homeowners insurance would likely cover the repairs. However, if the damage was due to an earthquake, it wouldn’t be covered without a separate earthquake policy.

Check your policy to see if you’re covered for natural disasters in your area. Purchase additional coverage if necessary to fully protect your home.