What kind of disasters are covered by most homeowner insurance policies?
While some insurance providers may vary on the coverage they provide for certain large scale disasters, all homeowners insurance policies cover disasters. Damages caused by fire, hail, explosions, riots, aircrafts, vehicles, smoke, vandalism, theft, and volcanic eruptions are all covered by standard homeowners insurance plans. However, damages inflicted by floods and earthquakes are not generally covered by a basic homeowners insurance policy.
