protecting your home against natural disasters

Insurance to Protect Your Home Against Natural Disasters

What will your home insurance cover when it comes to natural disasters?

If you have homeowners insurance in Plano, Texas, you may be curious about how far your coverage extends. For instance, you may be worried about whether or not your policy will offer coverage for different natural disasters. To offer you a little piece of mind, here is what standard homeowners insurance will and will not cover when it comes to natural disasters.

Covered Disasters

While every policy is unique, there are some industry standard coverages. For instance, if you have the HO-2 (broad policy) form of homeowners insurance, your policy will offer coverage for the following 16 types of hazards:

  • Lightning or fire
  • Hail or windstorm
  • Explosions
  • Damage caused by an aircraft
  • Theft
  • Riots or civil disturbances
  • Smoke damage
  • Damage caused by vehicles
  • Vandalism
  • Falling objects
  • Volcanic eruption
  • Pipe freezing
  • Damage from the weight of snow and ice
  • Water damage from plumbing, heating, or air conditioning
  • Water heater cracking, tearing, and burning
  • Damage from electrical currents

If you have the more common, HO-3 (special policy) form of insurance, then you have coverage against even more natural disasters. While HO-2 policies specifically list all the perils that you are covered for, HO-3 policies take the opposite approach. HO-3 policies offer coverage for every type of natural disaster unless they are specifically named and excluded.


HO-3 policies across the board will not offer coverage for the damages caused by earthquakes and flooding. If you would like to secure protections against these two major natural disasters, you will need to secure a specialty earthquake or flood insurance policy.

Use this information to understand what your homeowners insurance policy will cover it comes to natural disasters.  Interested in learning more about your homeowners insurance in Plano, Texas?  If so, contact the experts at Tri-Star Insurance/HUB International.  We are ready to assist you with all your coverage needs today.