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What does hazard insurance cover on a home?
I’m shopping for home insurance, and I know that it covers certain hazards, but my mortgage lender requires hazard insurance instead. I want to make sure my home is properly protected, so I’m happy to purchase whatever achieves this. What does hazard insurance cover on a home?
Sadie Lovemore · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Protecting your home is so important—I’m happy to provide some clarity! Home hazard covers structural losses on a home caused by risks such as fire, windstorms, and theft, and it is part of your standard homeowners insurance policy.
Home hazard insurance typically covers a home’s structure, roof, and foundation. Sometimes, this coverage includes
additional structures on your property
as well, such as sheds, pools, or fences. However, home hazard insurance does not cover your personal property or personal liability if someone is harmed on your property. Because structural damage is their primary concern, mortgage lenders often focus on the hazard insurance section of home insurance policies.
If your home is damaged by any of the following named perils, home hazard insurance will likely cover it:
- Fire, smoke, and explosions
- Water damage from burst pipes
- Wind and hailstorm damage
- Theft, vandalism, and civil unrest
- Damage from snow, ice, and sleet
Damage from floods and earthquakes, however, is not typically covered by any home hazard insurance policy. If you live in an area with extreme rainfall or frequent earthquakes, make sure you discuss coverage with your home insurance policy. You may even need an add-on policy from a separate company.
It’s critical to compare home insurance rates if you’re shopping around for coverage. With
Jerry
, you can get affordable rates sent to you in seconds. A licensed broker that offers end-to-end support, the Jerry app gathers quotes from top providers, helps you switch plans, and even helps to cancel your old policy. View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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