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What disasters does home insurance cover

A homeowners insurance policy typically covers natural disasters caused by explosion, fire, lightning, hail, windstorm, hurricanes, tornadoes, extreme cold, volcanoes and theft. Homeowners insurance usually does not cover earthquakes, floods, tsunamis or nuclear disasters.

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Before a natural disaster occurs, it is essential to know what is covered and not covered by your homeowners insurance as there are several policy types available. Learn more about what is covered by homeowners insurance, what is not and what to do if you have experienced a natural disaster.

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