Hello how may I help you? I need help understanding my insurance. Okay you currently have a policy that covers acts of water fire and acts or god What else does my current policy cover? if there is flood you are covered. if there is an earthquake you are covered. if there is a fire you are covered. Does it cover hurricanes? yes, Since people don't cause hurricanes it is covered under acts of god Does it also cover military strikes? There you will run into trouble.Terrorist acts are not covered in the policy Got it, thanks! Have a good day!