The short answer is no – standard homeowners insurance does not cover everything. While your policy protects you from many risks, it typically does not cover flood damage, earthquake damage, or normal wear and tear. For floods and earthquakes, you’ll need separate flood insurance or earthquake insurance policies to make sure you’re fully protected.

It’s also important to review the details of your coverage carefully. Some important protections, like sewer or water backup coverage – may not automatically be included in your policy. Double-checking these provisions can make a big difference if the unexpected happens.

So, if you’re wondering whether your homeowners insurance covers floods or natural disasters, remember that standard policies won’t, but you can add the right coverage to stay protected. At Branch Insurance Group, we’re here to help you fill in the gaps and make sure you have the peace of mind you deserve.

We’d be happy to review your insurance coverage options with you! Give us a call at (702) 646-2082 or visit https://branchinsgroup.com.