{"id":3041,"date":"2012-01-27T10:07:12","date_gmt":"2012-01-27T18:07:12","guid":{"rendered":"http:\/\/blog.movoto.com\/?p=3041"},"modified":"2012-01-27T10:07:12","modified_gmt":"2012-01-27T18:07:12","slug":"natural-disasters-and-disaster-insurance","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/natural-disasters-and-disaster-insurance\/","title":{"rendered":"Natural Disasters and Disaster Insurance"},"content":{"rendered":"<p><a href=\"https:\/\/s3.amazonaws.com\/movotoblog\/2012\/01\/iStock_000000874059XSmall1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3060 alignleft\" src=\"https:\/\/s3.amazonaws.com\/movotoblog\/2012\/01\/iStock_000000874059XSmall1-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\"><\/a>Do you need insurance on your home if a natural disaster occurs? It depends. Where do you live? If you&#8217;re in Kansas and your area is prone to tornadoes, don&#8217;t worry. Your homeowner&#8217;s insurance (HOI) most likely covers damage caused by a tornado.<br \/>\nIf you&#8217;re in California, in an area likely to be hit by wildfires, your HOI will cover fires like these, started by lightning. But not if they&#8217;re caused by a volcanic eruption (luckily there are only a half dozen <a href=\"http:\/\/nationalatlas.gov\/dynamic\/dyn_vol-ca.html\" target=\"_blank\" rel=\"noopener\">potentially active ones<\/a> in CA). And if your tornado also causes flooding that damages your home, that&#8217;s not in your HOI, either, and could cost anywhere from $30,000 to $300,000 to repair.<br \/>\nThe damage that&#8217;s typically covered in homeowner&#8217;s insurance includes: fire caused by lightning; windstorms (including damage from hail); freezing of plumbing (pipes); falling ice; volcanic eruption (not including fires caused by one).<br \/>\nThat means flooding and earthquakes are not standard coverage areas, and you&#8217;re going to have to buy separate policies.<br \/>\nAccording to <a href=\"http:\/\/www.smartmoney.com\/plan\/insurance\/do-you-need-disaster-insurance-1300223803274\/\" target=\"_blank\" rel=\"noopener\">SmartMoney<\/a>, earthquake insurance premiums have jumped by 58 percent in some regions, and they can cost anywhere from $100 (say, in <a href=\"https:\/\/www.movoto.com\/real-estate\/ny\/buffalo-info.html\" target=\"_blank\" rel=\"noopener\">Buffalo, NY<\/a>) to $3,000\/year (<a href=\"https:\/\/www.movoto.com\/real-estate\/homes-for-sale\/oakland-info.html\" target=\"_blank\" rel=\"noopener\">Oakland, CA<\/a>), depending where you live. Flood premiums average $570\/year.<br \/>\nSo where do you go to add to your HOI and make sure your home is covered? Not every insurer offers these nonstandard coverages. But FEMA&#8217;s National Flood Insurance Program (NFIP) will cover your home if it&#8217;s at risk to be flooded, no matter where it is. Rates vary from high-risk areas at around $2,500 annually, to low-risk at about $300 per year. Most earthquakes in the U.S. <a href=\"http:\/\/earthquake.usgs.gov\/\" target=\"_blank\" rel=\"noopener\">occur in California<\/a>. The California Earthquake Authority (CEA), a state-run insurance pool, is from where most policies in the state are purchased. A $1 million policy on a single-story home in San Diego will run about $450\/year, while that same home in Oakland would run around $2,300\/year. In other states, policies are available from private insurers.<br \/>\nBe safe out there, homeowners. You never know what Mother Nature has in store for us.<br \/>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you need insurance on your home if a natural disaster occurs? It depends. Where do you live? If you&#8217;re in Kansas and your area is prone to tornadoes, don&#8217;t worry. Your homeowner&#8217;s insurance (HOI) most likely covers damage caused by a tornado. If you&#8217;re in California, in an area likely to be hit by wildfires, your HOI will cover fires like these, started by lightning. But not if they&#8217;re caused by a volcanic eruption (luckily there are only a half dozen potentially active ones in CA). And if your tornado also causes flooding that damages your home, that&#8217;s not [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3060,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[116],"class_list":["post-3041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-tips","tag-insurance","post--single"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Natural Disasters and Disaster Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.movoto.com\/blog\/natural-disasters-and-disaster-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Natural Disasters and Disaster Insurance\" \/>\n<meta property=\"og:description\" content=\"Do you need insurance on your home if a natural disaster occurs? It depends. Where do you live? If you&#8217;re in Kansas and your area is prone to tornadoes, don&#8217;t worry. Your homeowner&#8217;s insurance (HOI) most likely covers damage caused by a tornado. If you&#8217;re in California, in an area likely to be hit by wildfires, your HOI will cover fires like these, started by lightning. But not if they&#8217;re caused by a volcanic eruption (luckily there are only a half dozen potentially active ones in CA). 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