Tag: Property Insurance


Is Natural Disaster Protection Included in My Home Insurance Policy?

A homeowners insurance policy protects your home and belongings against damage caused by theft, vandalism, and natural disasters. Do you want to know what types of natural disasters are covered by home insurance? Continue reading to learn more.

Natural Disasters Generally Covered by Homeowners Insurance

A basic homeowners policy covers natural disasters, such as:


  • Covers your personal property, dwelling, or additional living expenses against wind damage from hurricanes
  • Doesn’t cover flooding-related water damage.


  • Covers your personal belongings and home from wind and rain damage and resulting debris
  • Excludes flood damage caused by a tornado


  • Covers your personal property or home against lightning strikes, including direct strikes, ground surges, and indirect strikes (near miss)
  • Reimburses for fire damages resulting from lightning strikes


  • Provides liability, personal property, dwelling, and additional living expenses coverages for damage caused by accidental fires and fires from natural disasters
  • Excludes coverage for intentional fires or those caused by negligence


  • Covers fire and ash damage, debris, lava flow, shockwaves
  • Volcano-triggered earthquakes and mudslides won’t be covered


  • Covers your additional living expenses, personal property, and home against damage caused by a gas leak near your home, business, or other structure
  • Won’t cover damages from illegal explosions

Extreme Cold

  • Covers your personal property and dwelling against damages resulting from ice accumulation on your roof, frozen pipes, and liability claims involving injured visitors
  • Excludes flood damage caused by snow and ice

Remember that if your pipes freeze or ice builds up on your roof due to poor maintenance, coverage may be denied.

Natural Disasters That Typically Require Additional Coverage

A basic homeowners insurance policy will not cover the following natural disasters:

  • Floods
  • Earthquakes
  • Landslides and mudslides
  • Tsunamis

However, you can buy additional endorsements to stay covered against damages and related losses resulting from these perils.

How to Stay Adequately Prepared for Natural Disasters

While natural disasters are unavoidable, staying prepared can help mitigate resulting losses and damages, especially if you live in high-risk areas.

As a first precautionary measure, learn about the most common hazards in your state here and be prepared accordingly.

Next, ensure to:

Have an Emergency Kit

During natural disasters, an emergency pack should have everything you’ll need to survive for several days, including:

  • Water (one gallon per person for a day)
  • First-aid kit
  • Dust mask
  • Cell Phone and backup charger
  • Personal medications
  • Battery-powered or hand-crank radio
  • Flashlight
  • Whistle
  • Can opener
  • Batteries
  • Plastic sheet and duct tape (to make shelters)
  • Wrench or pliers
  • Local map
  • Non-perishable food
  • Personal sanitation (garbage bags, moist towels, etc.)

Devise a Disaster Plan

Creating a disaster plan will help protect you and your family when a disaster strikes.

Your disaster plan should include:

  • A source for emergency alerts
  • Safe locations list
  • Evacuation plans
  • Important contact information
  • Emergency kit details (access location)

If you are looking for comprehensive home insurance coverage at an affordable rate, contact us today at Abatelli Insurance Group. We will tailor coverage for your property based on your vulnerability to natural disasters and other risk exposures, ensuring that you are adequately protected.


Things You Should Know Before Subscribing to Property Insurance

Securing property insurance for your home should be a top priority to avoid potential financial loss. Every home is vulnerable to some type of disaster, from severe storms to theft to vandalism. Purchasing the right insurance policy for your home will help mitigate worst-case scenarios. Here are important points to know about property insurance.

Why Homeowners Need Property Insurance

As a homeowner who has worked hard to buy property, you don’t want to see a sudden event destroy your home and its value. Choosing the right property insurance will protect the value of your home’s structure and its contents. So if it burns down in a fire or gets destroyed by a flood, your insurance agency will be there to pay for a new one based on its reconstruction value. In other words, the insurer pays what it would cost to rebuild your home.

Property insurance doesn’t just cover damage to your home but also provides liability coverage if someone is injured on your property. One of the most common cases of visitors getting hurt at a friend’s home is slipping and falling, especially in winter when walkways can be slippery. Therefore, you must know what your property insurance covers.

Different Types of Property Coverage

Before signing up for a homeowners’ insurance policy, make sure you know what it covers. Not all policies have the same features, as it comes down to the insurance company and how it crafts specific plans. It helps to review the policy with an experienced insurance professional.

Your basic homeowner’s policy covers two broad areas: property damage and liability. Property damage includes when a tree falls on your roof, and you need new roofing. It also includes certain types of flooding, although areas prone to flooding may require special coverage and typically cost more. Standard plans also typically cover losses from theft and vandalism.

If you need a specific type of coverage that isn’t listed in your basic plan, you can add coverage extensions known as endorsements. There are numerous endorsements to consider based on various factors. Earthquake coverage, for example, typically isn’t part of a basic plan, but you can add it as an endorsement. In fact, the best homeowners’ policies are customized to cover specific risks that apply to the home.

Property Coverage Insurance Costs

The average cost of homeowners’ insurance in the United States is about $1,400 per year, according to 2022 Bankrate estimates. Rates vary depending on factors such as location, age of the home, size, and the number of occupants.

You can lower monthly costs either by lowering risks or raising your deductible, which is the amount you pay upfront for damage when you file a claim. The deductible is a small portion of the total costs, in which your insurance company pays the balance.

Cover Your Property with Abatelli

When you buy a new home, one of your first considerations to protect it should be enrolling inappropriate property insurance. Contact us at Abatelli Insurance Group for more information on providing your home with solid financial protection so you can sleep better at night.

COVID-19 Update

We are no longer working remotely. You can reach us at (718) 352-6000 Letter to Policyholders