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Does home insurance cover acts of God?
I’m new to the world of home insurance. I know my car insurance covers acts of God, but I’m not really sure what home insurance covers. Will home insurance cover acts of God?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Home insurance is confusing, but don’t worry, it gets easier! Like
car insurance
, home insurance will cover certain acts of God. - Fire
- Volcanic eruption
- Wind
- Hail
- Lightning
- Smoke
- Freezing
- Weight of ice or snow
However, there are two acts of God that home insurance almost always exclude:
- Earth movements, like earthquakes and landslides
- Flooding
If you live in an area prone to earthquakes, landslides, or flooding, you’ll need to purchase a separate policy to ensure your home and personal property have coverage.
Since coverage varies between providers, you’ll want to review your policy to confirm your coverage. Most insurance terms and conditions will contain an Act of God clause that also explains your coverage.
If you decide you’d like to explore your coverage options after reviewing your policy, consider using the
Jerry
app. Jerry is the easiest and most effective way to find a home insurance policy that is customized for you. You can even bundle your policy with your car insurance for the most savings. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy!
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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