Courtesy of iii.org
Standard homeowner policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage. Policies vary, however, so for your own peace of mind, check yours for specific dangers covered. Learn what is usually covered by each homeowner's type of insurance – and what is not.
What type of disasters are covered?
You want to decide what type of coverage you have for:
- Personal property  The options include:
- Perils Basic HO-1 * +
- Broad HO-2 *
- Special HO-3 *
- Special HO-3
- Tenants HO-4
- Condominium / Co-op HO-6
- Modified coverage HO-8
Disasters not covered
- Floods. Flood damage is exempt from standard insurance for homeowners and tenants. However, separate flood insurance is available to both homeowners and tenants as a separate insurance both from the National Flood Insurance Program (NFIP) and from some private insurance companies. Learn more about flood insurance ̵
- Earthquakes. Earthquake coverage is available from most insurance companies as a separate insurance or a recommendation to your homeowners or tenants. Learn more about earthquake insurance.
- Maintenance damage. It is your responsibility to maintain your home and take reasonable precautions to protect your home from damage. Your insurance does not cover damage due to lack of maintenance, mold or infestation by termites or other pests.
- Sewer Backup. Sewage backups are not covered by a standard homeowners insurance policy and are not covered by flood insurance. This type of coverage must be purchased either as a separate product or as an endorsement of a homeowner's policy, usually at nominal cost. Learn more about sewer and sewer insurance.
Next step: Do you need to settle a claim after a disaster? We'm sorry – but maybe these tips will make the claim process easier for you.