Just curious, do you have flood insurance? It doesn't automatically come with "home owners", you have to pay extra for it.
Where I live in central Illinois, we are in a tornado prone area and we do have tornado coverage. I dropped my earth quake insurance years ago because there have never been any "damaging" earth quakes here but I believe I will pick it up again when I renew my insurance. Back then it was only about $35 per year, reflecting the fact that we don't get damaging earth quakes, it's probably not much more than that now.
On the other hand, my sister, living in New Madrid County, Missouri, pays an arm and a leg for earth quake coverage.
If a hurricane ever manages to get this far inland, I'll be in big trouble because I probably don't have coverage for that.
My whole point is, that everybody should be very aware what their home owners covers and what it specifically exempts from coverage, don't assume anything. (not you specifically but everybody)
“Just curious, do you have flood insurance? It doesn’t automatically come with “home owners”, you have to pay extra for it.”
No, I don’t live in a flood zone. Flood insurance is not included in most home policies, at least around here. These folks were hit by a Tornado, which insurance does cover.
I live in prime hurricane country but the coverage for that stinks. I think the deductible is around 10%, would have to check my policy.