Homeowners insurance coverage pays to repair or replace damaged property, including your belongings and the structure of your house. Home insurance generally covers damage due to fire, wind or snow, but standard policies won’t cover floods or earthquakes. It also covers your liability if you hurt...
No. Earthquakes are a specific type of natural disaster that are typically excluded from a standard home insurance policy due to their unique risks and potential for extensive damage. Depending on your location, you may need to purchase a separate earthquake insurance policy or endorsement to ensur...
Homeowners insurance generally doesn't cover common maintenance costs or damage from normal wear and tear or neglect. That could include mold, mildew, termites, rodents and other pests, especially if proper precautions weren't taken. Floods and earthquakes are also exempt from traditional homeowners ...
Home insurance policies cover you for a range of potential losses, but some significant causes of damage—such as earthquakes and flooding—are excluded from standard policies. Your home insurance policy provides financial protection for your home’s physical structure, the other structures on your pr...
Most homeowners insurance policies do not cover earthquakes and other natural movements of the earth. If you live in a high-risk region for these or other types of natural hazards, you may want to explorecatastrophe insurance, like windstorm orflood insurance.3 ...
Learn how to prepare your home for earthquakes. Read article How to protect your home from earthquakes Why you need renters insurance, especially in the military Sept. 9, 2023 8 to 9 minutes Renters insurance helps protect your belongings in more ways than you might think. Find out why ...
Does New Hampshire home insurance cover earthquakes? How can I save money on homeowners insurance in New Hampshire? About the authors Kayda Norman Kayda Norman is a former NerdWallet authority on auto insurance. She previously worked in communications at The Walt Disney Co. and as a web producer...
Additional homeowners insurance in California A standard homeowners insurance policy covers a lot, but it may not cover every situation you may face in California: Earthquakes Earthquake coverage is not usually covered by homeowners insurance, but you can get a separate policy, either as a rider on...
, a “peril” is something that happens, causes damage, and is covered under your policy. Here’s one major thing to note: Most homeowners insurance policies will not compensate you for damages related to earthquakes. For that, you’ll want to look into purchasing separateearthquake insurance....
Learn the basics of homeowners insurance, including coverage types, mortgage impacts, and what’s covered. Protect your home and belongings with our essential guide for informed insurance decisions.