Can homeowners insurance cover natural disasters?

Homeowners insurance generally provides coverage for most natural disasters, but it often excludes specific events like floods and earthquakes. This exclusion exists because these types of disasters have a much higher potential for damage and loss than other perils, leading to higher premiums.

Therefore, to ensure comprehensive protection against such risks, homeowners typically have the option to purchase separate policies or endorsements specifically for floods and earthquakes. This means that while standard homeowners insurance includes coverage for many natural disasters—such as windstorms, hail, and lightning—it does not automatically cover all types of natural disasters, making the specified exclusions important for homeowners to understand and consider when evaluating their coverage needs.