A natural disaster can strike at any time and leave your home and family devastated. Choosing the right homeowners insurance can be a challenge when you are assessing the damage. However, it's important to understand what is and isn't covered in a standard policy.

Storms

Most risks that happen during a windstorm like a thunderstorm or a tornado will be covered by your homeowners policy. These risks can include wind damage, lightning, and hail. If your area is particularly prone to severe thunderstorms or tornados, you may be able to lower the cost of your insurance payments by replacing or reinforcing your roof and installing storm shutters. 

Fire

Typically, home insurance policies cover the damage caused by wildfires, as well as other unexpected sources of fire. Most companies offer fire coverage as a standard peril. However, if you are in an area prone to wildfires, your policy may not have enough coverage, so you should speak with an agent, such as from a home and auto insurance TX company, to make sure your home is covered. 

Volcano

You might be surprised to learn that most home insurance policies protect against volcanic eruptions. As eruptions are rare even for active volcanoes, many policies accept the risk for this natural event. If you live near a volcano, make sure your policy has limits to reimburse any damage you may have sustained to your home, as well as ensuring there aren't any gaps or exclusions that may prevent any compensation. 

Floods, hurricanes, and earthquakes are not usually covered by homeowners insurance, so you will need additional policies to protect against them. Your policy will probably also cover risks like vandalism and theft. You should always check with your insurance provider to find out which types of natural disasters are included in your specific plan.

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