Natural Disaster Insurance

Insurance is a fundamental part of your natural disaster plan. Make sure you have what you need.
One of the easiest ways to protect your home and family is to have natural disaster insurance. Even with disaster preparedness for a catastrophe, your property could still suffer damage. If you're covered, your natural disaster insurance can be a big help in replacing your treasured items.

When discussing your natural disaster protection options, talk to your agent about the topics below. Make sure your insurance protects what’s important to you:

Do you have adequate insurance if something were to happen to you, your family or your property?
What should you do if you need to file a claim? If a catastrophe hits your area, is that process different?
Are your policies are up to date? Nationwide offers an annual On Your Side® Review to make sure your home, life and auto insurance keeps up with the changes in your life.
If you have remodeled your house to add a basement or additional room, let your agent know. You want to make sure your homeowners insurance protects your entire home. You may even consider having your home reappraised to get a better idea of its value.
Ask how deductibles work after a catastrophe.
Most standard insurance policies do not cover special items, such as expensive cameras, musical instruments, computers, engagement rings, artwork and furs. You can purchase insurance at a nominal cost to cover these valuables.
Homeowners insurance does not include natural disaster protection to cover floods. You can purchase flood insurance separately to protect yourself from losses due to flooding.
Your agent may have tips to prepare your home for severe weather and help you prepare a natural disaster plan.
If you have renters insurance, ask your agent how insurance works after a disaster hits.
Natural disaster protection in case of an emergency
Having the right insurance is an important component of your natural disaster plan– especially when a catastrophe strikes. Taking an hour to discuss these issues with your agent will give you peace of mind no matter what happens.