You never know when a disaster could take place in your area and severely damage your home. That’s why it is essential to possess home insurance that can help you pay for repair bills in emergencies. If you were planning on purchasing home insurance, here is some information about the most common disasters that will get covered under home insurance in Texas.
What your home insurance covers
Hurricanes are one of the disasters covered by home insurance. Hurricanes are strong storms that can bring a lot of rain, hail and extremely fast winds.
A hurricane can cause a lot of damage to your home, including the structure and your personal items. Any destruction caused by hail or wind will likely get covered, but if a hurricane causes a flood in your home, it may not be covered unless you purchased additional flood insurance.
Tornadoes are also covered under home insurance. Tornadoes can cause a lot of damage due to fast winds; hail; and any debris, such as fallen trees that get caught up in the wind. Just like with hurricanes, most of this damage will be covered except if your home gets flooded.
Another disaster that gets covered by your insurance is if your home catches on fire. Any damages to your home, as well as your personal belongings, should be covered. The only way a house fire wouldn’t be covered is if the fire was set intentionally, in which case the homeowner would need to file a disaster lawsuit.
Other occurrences that get covered under your home insurance include damage caused by an explosion, a lightning strike or even a volcanic eruption. Some disasters that aren’t covered by most home insurance include floods and earthquakes. Both would require purchasing insurance specifically for those events.
There’s a large variety of disasters that are covered under homeowner’s insurance. It’s almost impossible to know exactly when a disaster will strike, so you must prepare for the worst beforehand. Home insurance will have you covered under many common forms of natural disasters, so you don’t need to stress about the costs to rebuild your home.