How do natural disasters often affect homeowners insurance coverage?

Natural disasters often require separate insurance depending on the specifics outlined in the homeowners insurance policy. Standard homeowners insurance typically covers damage from certain perils like theft, fire, or vandalism, but it often excludes coverage for specific natural disasters such as floods, earthquakes, and hurricanes. To protect against such risks, homeowners may need to purchase additional policies or endorsements that specifically cover these events. This allows homeowners to tailor their coverage based on the unique risks associated with their geographic location and individual circumstances. Understanding this distinction is crucial for maintaining adequate protection against potential financial losses stemming from natural disasters.