Fortunately, living in Missouri or Illinois, you do not have to worry about a hurricane claiming your home. However, other natural disasters can happen, such as tornadoes or flooding. If you do not currently know what is covered under your home insurance policy, give our team at Alexander Insurance a call. We will be happy to review your policy or set you up with a policy that better suits your needs. Knowing what is covered can save you money in the long run if you happen to experience damage from a natural disaster. 

Does your home insurance cover natural disasters?

There are a few variables when it comes to what home insurance covers. This can depend on where you live, your policy, and the type of dwelling being covered. It is vital to know what your policy covers. Which, we understand, can be overwhelming and sometimes a lot of details to review. Alexander Insurance is a top-rated insurance group serving St.Charles and surrounding areas helping clients determine what type of natural disaster coverage they need. We are here to help you understand all of your policy’s fine details and find the best one for you.

When it comes to a natural disaster, it can be scary to think about. What will you do, and how will you ensure your home and family are safe? The best thing you can do is be prepared. Know your policy and be familiar with risks associated with where you live. Most policies do have some coverage for typical disaster situations, but many are not covered and will require additional coverage.

Common Natural Disasters Most Policies Cover

  • Damage from a fire or lightning
  • Wind or hail damage
  • Smoke damage
  • Damage from the weight of ice or snow

Natural Disasters Not Covered

  • Floods
  • Earthquakes
  • Sinkholes
  • Landslides or mudslides

Are there coverage limitations?

With any policy, you should always be aware of the limitations or exclusions. For example, know your deductible for specific situations. A cheaper policy may sound appealing upfront, but the back end comes with limited coverage and a higher deductible. Also, make sure you are keeping up with the maintenance of your home. If a disaster strikes but existing damage is found, you may not be eligible for the coverage.

The bottom line is, always be prepared for the unexpected. It is better to be safe than sorry, especially when it comes to being underinsured. If you want to get ahead of the game and make sure your most valuable assets are covered, give Alexander Insurance a call and set up an appointment today. We promise you won’t regret it.