{"id":101,"date":"2023-08-24T04:00:00","date_gmt":"2023-08-24T10:00:00","guid":{"rendered":"https:\/\/www.utahautoinsuranceagent.com\/blog\/?p=101"},"modified":"2023-08-31T00:52:07","modified_gmt":"2023-08-31T06:52:07","slug":"does-homeowners-insurance-cover-natural-catastrophes","status":"publish","type":"post","link":"https:\/\/www.utahautoinsuranceagent.com\/blog\/does-homeowners-insurance-cover-natural-catastrophes\/","title":{"rendered":"Does Homeowner&#8217;s Insurance Cover Natural Catastrophes?"},"content":{"rendered":"<p>One of the most common questions new homeowners have is, &quot;Does homeowner&#8217;s insurance cover natural catastrophes?&quot; Natural catastrophes including events like fire, flood, hurricane, earthquake, and tornado, and can cause extensive damage to both the interior and exterior of your home.&nbsp;United Insurance Services Inc. in Bluffdale, UT is here to help.<\/p>\n<h2>Here&#8217;s what you need to know:<\/h2>\n<h3>Coverage Depends on the Specific Policy<\/h3>\n<p>Your coverage always depends on the language in your policy, so it&#8217;s important to discuss your needs with a licensed agent, who can ensure you have adequate coverage for your region.&nbsp;<\/p>\n<h3>Many Natural Catastrophes are Covered<\/h3>\n<p>Damage caused to your home by these natural catastrophes is covered by most homeowner&#8217;s policies:&nbsp;<\/p>\n<ul>\n<li>Fire &#8211; except in certain cases, damage caused by a house fire is typically covered<\/li>\n<li>Hail &#8211; most homeowner&#8217;s insurance policies cover damage caused by hail<\/li>\n<li>Wind &#8211; high winds can damage your shingles, siding, fascia, and more, and these damages are often covered by homeowner&#8217;s insurance<\/li>\n<li>Winter storms &#8211; while damage from winter storms is less common, it&#8217;s typically covered by homeowner&#8217;s insurance<\/li>\n<\/ul>\n<h3>Some Natural Catastrophes are Not Covered<\/h3>\n<p>Although coverage varies, these natural catastrophes are typically covered by a separate, additional policy and&nbsp;<em>not&nbsp;<\/em>by standard homeowner&#8217;s insurance:&nbsp;<\/p>\n<ul>\n<li>Flood &#8211; except in very specific circumstances, flood damage is not generally covered by your homeowner&#8217;s insurance; you&#8217;ll need a separate policy to cover damage from flooding<\/li>\n<li>Hurricane &#8211; damage caused by a hurricane typically falls under hurricane insurance rather than homeowner&#8217;s insurance<\/li>\n<li>Earthquake &#8211; damage caused by an earthquake is typically covered by earthquake insurance, which you need in addition to homeowner&#8217;s insurance if you live in a high-risk area<\/li>\n<\/ul>\n<p>To learn more or get your quote for homeowner&#8217;s insurance, visit us at United Insurance Services Inc. in Bluffdale, UT today. We can help ensure you have the right coverage for your property and region.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>One of the most common questions new homeowners have is, &quot;Does homeowner&#8217;s insurance cover natural catastrophes?&quot; Natural catastrophes including events like fire, flood, hurricane, earthquake, and tornado, and can cause extensive damage to both the interior and exterior of your home.&nbsp;United Insurance Services Inc. in Bluffdale, UT is here to help. Here&#8217;s what you need [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[5,7],"class_list":["post-101","post","type-post","status-publish","format-standard","hentry","category-natural-catastrophe-insurance","tag-bluffdale-ut","tag-united-insurance-services-inc"],"_links":{"self":[{"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/posts\/101","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/comments?post=101"}],"version-history":[{"count":1,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/posts\/101\/revisions"}],"predecessor-version":[{"id":102,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/posts\/101\/revisions\/102"}],"wp:attachment":[{"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/media?parent=101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/categories?post=101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/tags?post=101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}