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Insurance Disasters by Type

There are many risks associated with owning property below is a list of disasters by type for renters, condo, and home insurance policies. Understanding coverage options and explaining them to homeowners in a straightforward language is our specialty. The Premier Shield Insurance agency helps homeowners make better decisions regarding home insurance coverage and lower-cost options for automobile and property insurance policies.

If you live in and you would like some expertise, you’re welcome to request a quote by speaking with a live property insurance agent at 1-774-847-7746.

Insurance Disasters Typically Covered Under Most Homeowners Insurance Policies.

You always want to ask your insurance agent or company as to what coverage you have or check your home insurance coverage declaration page to double-check. If you live in one of the states Premier Shield Insurance sells home insurance, we’ll be happy to help you with a free policy review.

Simply email your home policy information to or request a property insurance quote online.

  • Accidental overflow or discharge of water
  • Fire
  • Lighting
  • Windstorm
  • Hail
  • Explosions
  • Riot or civil commotion
  • Damage caused by aircraft
  • Damage caused by vehicles
  • Smoke
  • Vandalism
  • Malicious mischief
  • Volcanic eruption
  • Falling object
  • Weight of snow, sleet, or ice (ice dams)


Insurance Disasters Not Typically Covered without Endorsements or Separate Policy


Many consumers fail to purchase flood insurance and when disaster strikes they’re left with nothing. Flood insurance policies are available through Premier Shield flood insurance agents that can help you get an affordable NFIP policy or an even cheaper private market flood policy with companies like Neptune Flood. Our flood agents are able to save most FEMA and NFIP flood insurance policyholders 35% a year on average while offering 800% more dwelling coverage and 500% more contents coverage for flooding.

  • Floods due to hurricanes
  • Floods due to storms
  • Floods due to tsunamis
  • Floods due to typhoons
  • Earthquakes
  • Landslides
  • Maintenance Damage
  • Mudslides
  • Poor Workmanship
  • Sewer Backup
  • Sinkholes


Frequently Asked Insurance Disaster-Related Questions


When it comes to finding out if an insurance company is required to pay, consumers have many questions. Below is a Premier Shield Insurance list of helpful insurance company resources, websites, and articles to help address some commonly asked property insurance related-questions.


  1. How do I get affordable homeowners insurance?
  2. Which type of disaster is not commonly covered by insurance?
  3. Which of the following disasters is typically not covered by property insurance?
  4. What are 2 natural disaster events not covered in a basic home policy?
  5. Which two perils are generally excluded from most insurance coverage?
  6. What are the 3 categories of perils?
  7. What insurance covers poor workmanship?
  8. Can you sue for faulty workmanship?
  9. Does general liability insurance cover faulty workmanship?
  10. What are 2 things not covered in homeowners insurance?
  11. What is the basic home insurance coverage?
  12. How long should a home insurance claim take to settle?
  13. How long does an insurance company have to pay settlement?
  14. What do you do if your homeowner’s insurance company won’t pay?
  15. Can I keep my homeowner’s insurance claim check and make the repairs myself?

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