Does home insurance cover tornado damage?

My parents are getting old enough that they need some help managing their paperwork, so I’m reviewing their finances. When I looked into their home insurance policy, I didn’t see anything specifically stating tornadoes. Because they own a home in Kansas, I want to make sure that their home and property are properly insured. Will a home insurance policy cover tornado damage?

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Answer provided by
Rachel Juillerat
Content Editor - Q&A · Answered on Feb 10, 2022
It’s wise to look into the fine details of what is and is not covered by your parents’ home insurance policy. Most standard homeowners policies cover wind and thrown objects damage, meaning yes, your parents’ home should be covered.
It’s always important to read through the fine print of the policy (or call an agent) to verify that you’re covered. Generally speaking, most standard policies will include dwelling coverage for named perils that include damages from:
  • High winds
  • Falling objects (like tree limbs thrown during a tornado)
  • Hail
  • Lightning
If you’re worried about the coverage your parents have or how much they’re spending on home insurance, it might be a good idea to compare quotes from multiple companies to find the best deal. Jerry makes this easy by gathering quotes from the nation’s top providers for you. Jerry can even help find lower prices by bundling home and auto policies.

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