Hello how may I help you? Can you answer an insurance question for me? Yes, I can. What do you want to know? I would like to know if the typical homeowner's insurance policy covers tornado damage? Yes, it does. Does it also normally cover flood damage? Yes, as well as other natural disasters of a similar nature. Do you know how much a typical homeowner's policy costs per year? $3200, roughly. Thank you. This is helpful information. You are welcome. Have a great day.