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Should I Get Separate Flood/Earthquake Insurance Coverage?

Understanding your homeowners insurance coverage.


A number of disasters are covered by your homeowners insurance, however, every policy has its limits. Most standard homeowners insurance policies exclude flood and earthquake damage because they are considered mass-destruction events. If you live in a flood zone or an area prone to earthquakes, you will need to purchase separate flood insurance or earthquake insurance.


What disasters are covered by home insurance?

Although individual policies will vary, a standard home insurance policy covers a range of potential hazards and disasters, including:

  • Fire
  • Lightning
  • Windstorms and hail
  • Smoke damage
  • Explosions
  • Vandalism
  • Theft
  • Damage caused by aircraft or vehicles


Standard policies do not cover flood damage, earthquakes, sewer backups, or wear and tear.


How does flood insurance work?

Most flood insurance is administered under the Federal Emergency Management Agency (FEMA). Homeowners and renters are able to purchase flood insurance policies through insurers to cover their home and belongings from flood ruin. A policy covers direct physical loss from floods and from flood-related erosion caused by flash floods, severe storms, abnormal tide surges, or similar situations resulting in flooding.


Who needs earthquake insurance?

Since homeowners and renters insurance policies will not cover earthquake damage, an earthquake insurance policy should be considered. If you live near a fault line or an area with seismic activity as a result of drilling, then you could benefit from earthquake insurance. Vehicles tend to be covered for earthquake damage under your comprehensive auto insurance policy.


Be aware of what your home insurance policy excludes to be sure you have the right homeowners insurance in place. Visit the professionals at McCarty Insurance to get started on your tailored policy today! We can help you understand the ins and outs of your chosen policy.

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