Natural disasters are becoming increasingly common and unpredictable. From hurricanes to wildfires, floods to earthquakes, Mother Nature can cause damage to homes and properties. As a homeowner, you might wonder if your standard home insurance policy is enough to protect you when disaster strikes. Spoiler alert: it might not be.

Here's the reality: most standard home insurance policies cover certain natural events like windstorms or hail damage, but they often exclude some of the most devastating disasters like floods and earthquakes. If you live in an area prone to these events—or are concerned about their growing unpredictability—now is the time to consider adding extra coverage.

What's Covered Under Standard Home Insurance?

A typical home insurance policy might protect your property from damage by fire, theft, vandalism or even certain types of storms. However, the key word here is "certain." While windstorms may be included, floods and earthquakes are often excluded, and if you live in a disaster-prone area, this exclusion could leave you facing huge out-of-pocket costs.

What About Floods?

Flooding is a very common and costly natural disaster in the U.S. Just a single inch of water can cause significant damage, often totaling thousands of dollars in repairs. However, most standard policies do not cover floods. You might think, "I don't live near a river, so I'm safe." But flash floods, urban flooding, and even storm surges can occur unexpectedly.

Earthquake Coverage

If you're on the West Coast or near fault lines, earthquake coverage is another crucial add-on to your policy. Like floods, earthquakes aren't typically included in standard home insurance policies. Given the potential for catastrophic damage, earthquake insurance can provide peace of mind, covering structural repairs, personal belongings, and sometimes even temporary living expenses.

Hurricanes and Wildfires

While wind damage might be covered for those living in hurricane-prone areas, you'll want to check your policy carefully. Some policies have high deductibles for windstorms, particularly in coastal areas. Additionally, damage caused by storm surges (a result of hurricanes) often falls under flood insurance, not your standard policy.

Wildfires are another growing concern, particularly in the western U.S. While many home insurance policies cover fire damage, coverage may be more expensive or limited in high-risk areas. If you live in a wildfire-prone region, speak with us to ensure you have the right coverage in place.

Unsure if you're fully protected? Contact us to review your policy and discuss additional coverage options. Whether it's a flood, earthquake or another type of disaster, knowing you're prepared is worth the peace of mind. Don't wait until it's too late—take steps today to safeguard your home and family against whatever Mother Nature may throw your way.

After all, it's better to be safe and covered than sorry.