For many people, purchasing a home is one of the most expensive and significant investments they’ll ever make. While achieving homeownership can be an exciting milestone, it also incurs extensive responsibility, as owners must account for risks and exposures regarding their new property. Natural disasters are often among the most potentially devastating perils that could impact a person’s home, potentially inflicting significant damage or even leveling it completely.
Given these high stakes, ProtectALL Insurance takes great pride in ensuring families and homeowners in the Dublin, Ohio, area is well-equipped to weather nature’s best punches. 
How Can Home Insurance Assist With Natural Disasters?
After a natural disaster, home insurance is typically one of the most critical lines of defense for your assets and finances. Also known as homeowners insurance, these policies can provide financial security for you and your belongings. Coverage for natural disasters may include lightning strikes, hail and wildfires. Additionally, while you may require endorsements or riders, your coverage may also be augmented to financially protect from additional perils, such as earthquakes, floods, hurricanes and tornados.
By assembling a suitable home insurance policy and keeping up with your premiums, you can retain the right to file a claim for financial assistance in response to covered natural disasters. If approved, payouts may play a critical role in limiting out-of-pocket losses involving the following:
- Dwelling damage—If a natural disaster damages your home’s structural elements, including its roof, foundations, walls, windows or attached fixtures, your insurance may help pay for repair and rebuild costs.
- Damages involving other structures—Many home insurance policies can also help cover losses inflicted by natural disasters on outlying structures, such as detached garages, sheds, gazebos and guest houses.
- Contents—Should a covered natural disaster strike your home, your insurance may also help you repair, replace or restore your possessions, including furniture, clothing and electronics. However, items of particular value, such as jewelry and fine art, may require additional coverage.
- Additional living expenses—Natural disasters may inflict significant damage on your home, potentially rendering it temporarily uninhabitable. In these situations, your home insurance may assist with resulting costs, such as for hotel accommodations, restaurant meals and storage units.
We’re Here to Help
At ProtectALL Insurance, we have over 20 years of experience serving homeowners, families and individuals. As an independent insurance agency, our team can peruse the offerings of many highly rated home insurance carriers to ensure you find a suitable policy at an ideal rate. Visit our website or call 1-833-PROTECT to get started today.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.