Hello how may I help you? i need to know what my policy covers Your policy is a basic home policy. You are covered from fire and wind damage, We do not cover water damage or damage from earthquakes are you sure Yes. I can double check that, yes We do not cover acts of god which includes water damage and damage from natural disasters what about falling branches Falling branches would fall under acts of god. You have already opted for the wind coverage since you are in a wind plain does my insurance believe in god They do not take a stance on god, but they do consider most things that occur naturally as not covered ty You are welcome