While some policies may require you to purchase separate endorsements, or riders, for certain natural disasters, most policies will cover damage caused by wind, rain, hail and ice. (trustedchoice.com)
Depending on the state you live in, you will be more prone to experiencing certain natural disasters more than others. (usinsuranceagents.com)
The majority of standard policies will specifically exclude certain natural disasters, such as floods, hurricanes, and earthquakes. (trustedchoice.com)