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The disasters your policy leaves out entirely

Some of the most damaging events a home can face are not covered by a standard policy at all. Earthquakes and floods each need their own coverage, and both are easy to assume you will never need until the day you do. Here is what each one protects and why waiting is the costly part.

  • Disasters a standard policy doesn't cover
  • Not in a standard policy

Earthquake coverage

Standard homeowners insurance does not cover earthquake damage. In a part of the country where most people do not expect to need it, that gap can come as a surprise. Earthquake coverage pays for direct physical loss to your home and belongings from a quake, with its own deductible based on your dwelling limit.

What it covers:

  • Damage to your dwelling and other structures
  • Personal property and loss of use
  • A separate earthquake deductible applies
Infographic for "Earthquake Endorsement" insurance, detailing coverage benefits, exclusions, building requirements, calculation factors, and tips for earthquake safety. Includes images of damaged homes and icons for different coverage types.
  • Click on the image below to view the full details.
  • Separate policy needed

Flood damage is not covered by a standard homeowners policy, and it is not only a high risk zone problem. Just a few inches of water can cause thousands in damage. Flood insurance is a separate policy that covers rising water from the outside, like heavy rain, overflowing rivers, or storm surge.

Flood insurance

What it covers:

  • Rising water from outside the home
  • Building coverage for structure and systems
  • Contents coverage for your belongings

Good to know:
Flood policies usually have a 30 day waiting period, so do not wait until a storm is on the way.

An infographic titled "Flood Insurance: What Every Homeowner Needs to Know" explains what flood insurance covers, what it doesn’t, flood risks, acceptable requirements, and includes tips, icons, and a house photo.
  • Click on the image below to view the full details.
  • Frequently Asked Questions

Common questions

Flooding can happen almost anywhere, and a large share of flood claims come from outside high risk zones. Because standard home insurance excludes flood entirely, a separate policy is the only way to be covered. It is available in low and moderate risk areas too, often at a lower rate.
Usually yes. Many flood policies have a 30 day waiting period before coverage starts, so the time to add it is well before a storm is in the forecast, not when one is on the way.
Yes. Earthquake coverage typically carries a separate deductible based on a percentage of your dwelling limit rather than a flat dollar amount. We can walk through what that would look like for your home.
You can look up your property on FEMA’s flood map service, and we are glad to help you read it. Knowing your zone helps you decide how much coverage makes sense.

More coverage guides

Part 1: Rebuilding After Loss
Part 2: Hidden gaps in everyday home systems
Part 3: Liability and valuables
  • Additional Protection Resources

Extra layers of protection worth knowing about

Beyond your policy, these trusted partners help with two of the costs homeowners feel most: roof deductibles and home system repairs.

Supplemental roof deductible protection that helps cover what you owe out of pocket when you file a roof claim.
Get a SOLA quote

SOLA Insurance

A home warranty that helps cover repair or replacement of major home systems and appliances when they break down.
Explore American Home Shield

American Home Shield

These resources are offered by third parties and are not insurance policies underwritten by Aneisha LeMonier Agency. Coverage details, eligibility, and pricing are set by each provider. The explanations on this page are for educational purposes only and are not a statement of policy terms. Actual coverage depends on your policy.

Not sure which of these you have?

Let us walk through your current policy together and find the gaps before they cost you. No pressure, just a clear look at where you stand.