Natural Disaster Coverage: What Your Home Insurance Policy Should Include

Do you know if your home insurance policy adequately protects against natural disasters? Here at Presley Insurance Group, serving Dallas, TX, and the surrounding areas, we understand the importance of having comprehensive natural disaster coverage as part of your home insurance. Here’s a guide on what to look for to ensure you’re adequately protected.

Understanding Natural Disaster Coverage

Natural disaster coverage is essential for homeowners, especially in areas prone to storms, floods, and wildfires. This coverage can help to protect your home and possessions from damage caused by these unpredictable events. However, not all home insurance policies automatically include all types of natural disaster coverage, so it’s crucial to understand what is and isn’t covered.

Essential Coverage Your Policy Should Include

  1. Flood Insurance: Many standard home insurance policies do not cover flood damage. If you are in a high-risk area, it is wise to consider adding flood insurance to your policy.

  2. Windstorm Coverage: This includes protection from damage caused by high winds, hurricanes, and tornadoes. Some areas might require separate windstorm policies, so it’s important to check the specifics of your coverage.

  3. Earthquake Insurance: Earthquakes can happen at any time. Most home insurance policies do not cover earthquake damage, so adding this coverage could be smart if you’re in an at-risk area.

Contact us today!

Waiting until a natural disaster strikes to discover gaps in your coverage can be costly. Reach out to us at Presley Insurance Group. We are here to help our Dallas, TX, and surrounding neighbors today. We’ll help you review and adjust your policy to ensure you have protection against whatever nature throws your way. Let’s make sure you’re prepared for the next big storm.