Does home insurance cover natural disasters?

I am about to purchase a homeowners policy on my first house! I want to ensure I’m covered for every possible mishap—does home insurance cover natural disasters?

Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on the first home. Homeowners policies cover many natural disasters, but you may need additional coverage to be fully protected.
While they may not all be directly named, many of the damages caused by natural disasters will be covered. These
named perils
  • Fire
  • Wind
  • Hail
  • Lightning
  • Falling objects
  • Volcanic eruptions
However, it’s important to note what you’re not covered for. Most home insurance policies exclude coverage for floods, earthquakes, or landslides. You’ll need additional coverage to be protected from these disasters, especially if you live in an area prone to them.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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