One of the risks of home ownership is being unprepared to face a variety of natural disasters, from tornadoes and hailstorms to floods and hurricanes. Responsible homeowners in Texas know that taking the time to understand what exactly your home insurance covers can make all the difference when financial disaster strikes.

At Luna Insurance Agency, we help our clients navigate the details of Texas homeowners insurance, so they have the right coverage for the risks unique to our state.

Understanding What’s Typically Covered

Most standard homeowners insurance policies in Texas offer coverage for certain natural disasters, but not all. Here’s a general overview:

• Tornadoes and windstorms—Most policies include coverage for wind damage, which covers tornadoes and severe storms. However, some areas prone to high winds may have exclusions or require separate windstorm policies.
• Hailstorms—Hail damage is usually covered, but it’s important to check your policy for any specific limitations or deductibles related to hail.
• Fire and lightning—These are standard perils included in most homeowners policies.
• Hurricanes—While wind damage from hurricanes may be covered, flood damage resulting from storm surge is not included in standard policies.

What’s Usually Not Covered

Knowing what your policy may not likely include is just as important. There are two coverage options that are typically excluded from a standard home insurance policy, which are:

• Flood coverage—Standard homeowners insurance does not cover flood damage. If you live in a flood-prone area, you’ll need a separate flood insurance policy.
• Earthquake coverage—This is typically excluded but can often be added as an endorsement.

If your home is in an area at high risk for floods, hurricanes or other disasters, consider adding supplemental policies or endorsements. Our team can help you assess your risks and find the right solutions to fill any gaps in your coverage.

Insure Your Texas Home

Don’t wait until disaster strikes to find out if you’re financially protected. Contact us today to review your homeowners insurance and discuss your options for natural disaster coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.