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What does catastrophe insurance cover?
My insurance company offers catastrophe insurance. What does it cover?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Catastrophe insurance is a type of insurance that can be added to your home insurance or
car insurance
policy. Most home insurance policies typically exclude some natural or man-made disasters like:- Earthquakes
- Flood
- Hurricanes
- War or civil unrest
- Nuclear Hazard
Because of this, many insurance companies offer additional riders to cover these events. Insurance riders or endorsements are policy provisions that amend or alter the policy.
Depending on the type of home insurance policy you have or where you live, you may need to add an endorsement to your home insurance policy.
Common coverages under catastrophe insurance are:
- Floods
- Hurricanes
- Earthquakes
- Tornadoes
- Sinkholes
- Terrorism
- Wildfires
Apart from home insurance riders, you can also add personal catastrophe insurance to your auto or home insurance policy. Personal catastrophe insurance adds additional
liability insurance
to your policy. It increases the coverage you have in case of an accident or event where you cause harm to someone else. If you’re interested in getting catastrophe insurance, you can request insurance quotes from your home or auto insurance company. As there are different coverages, you may only need ones that apply to you, like earthquake or wildfire insurance. If you’re unsure of the coverage you require, you can also reach out to your insurance agent to confirm the coverage that would be best for you.
You may also want to consider bundling home and auto insurance to get the best rate. Do some research to see what companies offer this, then hop on the
Jerry
app to compare quotes from dozens of carriers.”View full answer
- 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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