Tornadoes can occur virtually anywhere, and the damage they cause to your home is usually covered by your homeowner’s insurance policy. Insurance companies do not usually require you to purchase separate coverage for tornadoes like they do for floods, hurricanes or earthquakes. If your policy covers windstorms, that includes tornadoes.
The dwelling coverage portion of your homeowner’s insurance can help cover costs associated with rebuilding or repairing your home and attached structures due to damage caused by a covered risk, which usually includes tornadoes. Dwelling coverage can pay for wind damage to the house structure and everything that is attached to the home.