🌪️ Earthquake, Flood, Hurricane & Wind Coverage: What Your Homeowners Insurance Doesn’t Always Cover

When it comes to protecting your home, most people assume their homeowners insurance has them covered for anything Mother Nature throws their way.

Unfortunately, that’s not always true.

Here’s a breakdown of four major risks—and how they’re actually covered:

Not included in standard homeowners policies.
Must be purchased separately—usually through the National Flood Insurance Program (NFIP) or private insurers.
If you live in a flood-prone area or near water, flood coverage is critical.

Also not included in most homeowners policies.
Requires a separate rider or stand-alone policy.
Especially important in states like California, Oregon, Washington, and parts of the Midwest.

Wind and water damage are often treated separately.
Wind damage may be covered, but hurricane deductibles apply—typically a % of your dwelling value (not a flat dollar amount).
Flooding from storm surge is not covered unless you have flood insurance.

Covered under standard policies in most states.
In coastal or high-risk zones (like parts of Florida, Texas, or the Carolinas), wind may be excluded or require a separate wind policy.
Watch for higher wind/hurricane deductibles—often 2% to 5% of the home’s value.

At BC Brokerage, we help homeowners identify gaps in coverage before the storm hits—so you’re not left picking up the pieces alone.

Want a second opinion on your policy?

We’ll break it down and show you exactly where you’re protected—and where you might not be.

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