Are natural disasters covered on your home insurance policy? There is a big possibility though it is shown that home insurance policies differ from state to state and from one provider to another. Most policies have a well defined coverage of such natural disasters like fire, hurricane damage though some may not be covered like flood, earthquake among others. It is best to ask your agent about the specific details of the coverage before you sign to prevent high blood pressure later. As we’ve mentioned in the previous entries, one must read and understand the policy. If you’re having a difficult time, you can consult your lawyer to review the policy to avoid possible troubles later on.