{"id":128,"date":"2025-05-30T04:00:00","date_gmt":"2025-05-30T10:00:00","guid":{"rendered":"https:\/\/www.ncibinsurancegroup.com\/blog\/?p=128"},"modified":"2025-05-21T15:39:03","modified_gmt":"2025-05-21T21:39:03","slug":"what-natural-disasters-does-home-insurance-cover","status":"publish","type":"post","link":"https:\/\/www.ncibinsurancegroup.com\/blog\/what-natural-disasters-does-home-insurance-cover\/","title":{"rendered":"What Natural Disasters Does Home Insurance Cover?"},"content":{"rendered":"<p>Homeowners&rsquo; insurance is designed to provide you with the financial protection you need. Many policies cover theft and fire. However, policies aren&rsquo;t as clear when it comes to natural disasters. There are a few things to know about homeowners&rsquo; insurance and natural disasters before an emergency.<\/p>\n<h2>Standard Coverage<\/h2>\n<p>Many policies cover limited natural disasters. For example, they may cover wind damage, including damage from a hurricane or tornado. Standard coverage may also have specific exclusions.<\/p>\n<h2>Policy Exclusions<\/h2>\n<p>Many homeowners&rsquo; insurance policies have exclusions in place for natural disasters. Some policies don&rsquo;t cover wind damage if it&rsquo;s from a named storm. Many policies exclude flood damage, which may include damage from a basement flooding, even if there wasn&rsquo;t a natural disaster.<\/p>\n<p>Policy exclusions typically depend on the location and insurance company. Always speak with agents at an insurance company like NCIB Group Inc. to ensure you understand what&rsquo;s excluded from your policy.<\/p>\n<h2>Additional Protection<\/h2>\n<p>Companies offering homeowners&rsquo; insurance usually offer additional options to protect you during extreme weather. You can typically purchase:<\/p>\n<ul>\n<li>Flood insurance<\/li>\n<li>Hurricane insurance<\/li>\n<li>Wildfire insurance<\/li>\n<li>Earthquake insurance<\/li>\n<\/ul>\n<p>Research your immediate area to determine what natural disasters will likely occur, so you have appropriate coverage. In Chicago, IL, you aren&rsquo;t likely to see a hurricane anytime soon, but you may need coverage in the case of:<\/p>\n<ul>\n<li>A riot<\/li>\n<li>Civil unrest<\/li>\n<li>Tornadoes<\/li>\n<li>Floods<\/li>\n<li>Hail damage<\/li>\n<li>Wind damage<\/li>\n<li>Lightning from storms<\/li>\n<\/ul>\n<p>We understand the importance of having appropriate coverage. Homeowners&rsquo; insurance often excludes many natural disasters, so you only pay for coverage for disasters you&rsquo;re likely to experience. Agents at NCIB Group Inc. can help you assess your risk. Contact us to learn more today. We&rsquo;re currently serving the Chicago, IL area.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners&rsquo; insurance is designed to provide you with the financial protection you need. Many policies cover theft and fire. However, policies aren&rsquo;t as clear when it comes to natural disasters. There are a few things to know about homeowners&rsquo; insurance and natural disasters before an emergency. Standard Coverage Many policies cover limited natural disasters. For [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[9,14,5],"class_list":["post-128","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-chicago","tag-home-insurance","tag-ncib-group-inc"],"_links":{"self":[{"href":"https:\/\/www.ncibinsurancegroup.com\/blog\/wp-json\/wp\/v2\/posts\/128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ncibinsurancegroup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ncibinsurancegroup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ncibinsurancegroup.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ncibinsurancegroup.com\/blog\/wp-json\/wp\/v2\/comments?post=128"}],"version-history":[{"count":1,"href":"https:\/\/www.ncibinsurancegroup.com\/blog\/wp-json\/wp\/v2\/posts\/128\/revisions"}],"predecessor-version":[{"id":129,"href":"https:\/\/www.ncibinsurancegroup.com\/blog\/wp-json\/wp\/v2\/posts\/128\/revisions\/129"}],"wp:attachment":[{"href":"https:\/\/www.ncibinsurancegroup.com\/blog\/wp-json\/wp\/v2\/media?parent=128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ncibinsurancegroup.com\/blog\/wp-json\/wp\/v2\/categories?post=128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ncibinsurancegroup.com\/blog\/wp-json\/wp\/v2\/tags?post=128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}