Living in Austin, TX means enjoying sunny skies and beautiful landscapes—but it also means preparing for the unexpected. At Southwest Insurance Center, we understand how confusing it can be to figure out what your home insurance policy actually covers when it comes to natural disasters. Let’s break it down together.

What’s Typically Covered

Most standard home insurance policies cover damage from windstorms, hail, fire, lightning, and even the weight of ice or snow. For example, if a tree falls on your roof during a storm, you’re likely protected. These events are considered sudden and accidental, which is exactly what your insurance is designed for. Additionally, your policy typically covers temporary living expenses if your home becomes uninhabitable due to a covered event.

What’s Often Not Covered

Here’s where things can get tricky. Flood damage? Not covered under most standard policies. Earthquakes? Also not included. These types of disasters usually require separate policies or add-ons. While wildfires are generally covered, the increasing severity of fire seasons makes it essential to double-check the fine print of your policy.

Why It Matters

Natural disasters don’t wait until you’re ready. That’s why understanding what your policy includes—and what it doesn’t—is so important. Too often, homeowners assume they’re fully covered, only to discover after the fact that they’re facing significant out-of-pocket costs.

At Southwest Insurance Center in Austin, TX, we’re here to help you make sense of your coverage and fill in any gaps before disaster strikes. Reach out to our team today for a personalized review of your home insurance policy—you’ll sleep better knowing your home is truly protected.