Which Disasters Are Covered Under a Home Insurance Policy?

Disaster-Related Homeowners Insurance

While a vast majority of homeowners work to protect their property as best they can from damage, there are some instances that are out of their control. Natural disasters are one of them. Whether it’s storms or fire, there are many dangers that can threaten a home. To better protect your property, understand which disasters are covered by homeowners insurance in Vancouver, WA.


Storms can bring floods to many places in the U.S. Unfortunately, flood damage is often not covered in a standard home insurance policy. If the flooding is a result of a storm, you will need a separate flood insurance policy to ensure you have reliable protection. However, your home insurance may help when your home is flooded due to a burst pipe or a damaged kitchen appliance.


Earthquakes are considered “earth movement”, and although they may not occur frequently in Washington, they can happen at any time. Your standard home insurance policy may not cover earthquake damage for they are a “mass destruction” event. Fortunately, you are able to obtain an earthquake insurance policy to protect your home and belongings.

Wildfires and Mudslides

Wildfires continue to burn through acres of land across the United States. While homeowners insurance typically covers damage from fires, some homeowners in wildfire-heavy areas may not have this coverage. Check your policy if in doubt and ask your agent for more coverage, if necessary. Mudslides are typically not covered by homeowners insurance, but you may be able to obtain coverage for this through your insurer. 

When disasters do happen, make sure you have reliable homeowners insurance from the team at Action Insurance Group. We serve residents in WA, OR, CA, ID, and UT – Contact us today to get started.

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