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13894 S Bangerter Pkwy #250
Draper, UT 84020

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United Insurance Services, Inc. Blog

Natural Catastrophe Insurance: What is it? Do I Need it?

Your home insurance covers your home against numerous natural disasters, including volcanic eruptions, hail, lightning, tornadoes, and wildfires. While your homeowner’s insurance covers you against a wide range of natural disasters, it doesn’t cover common risks like flooding and earthquakes.

Home insurance is a bare minimum if you want all-rounded protection for your home. If you live in an area ravaged by floods and earthquakes, invest in natural catastrophe insurance from United Insurance Services Inc. in Bluffdale, UT.

What is natural catastrophe insurance?

What does it cover?

This coverage is what you would expect from the name — it covers you against natural disasters. The coverage you receive depends on the vulnerability of your location. The common natural disasters covered by natural catastrophe insurance include:

  • Floods: Whether your home is located near a waterbody or not, it’s never safe from flooding. Flash floods are common and usually cause significant property damage when they strike. Since typical home insurance doesn’t cover flood damage, you must purchase supplemental coverage. This policy covers damage to your building and the contents inside.
  • Earthquakes: While earth movements and sinkholes can cause significant damage to your home, they aren’t covered by home insurance. Purchasing earthquake insurance covers your building, its contents, and loss of use.
  • Tornadoes: Typical home insurance covers damage linked to tornadoes — hail and windstorms. However, if you live in a location prone to tornadoes, home insurance won’t cover you against them. As such, please invest in separate coverage. 

Contact Us Today

Since you have invested a lot in your home, it makes sense to do everything possible to protect it. While home insurance is a powerful investment, it isn’t sufficient on its own. Do consider investing in natural catastrophe insurance to cover gaps inherent in your home insurance. Get in touch with United Insurance Services Inc. in Bluffdale, UT today for more information.