Does Homeowners Insurance Cover Natural Disasters? 
Yes and no ! The typical multi-risk homeowners insurance policy offered today is very comprehensive . But no homeowners insurance policy covers the naturally occurring disasters of flood -LRB- rising ground water entering your home -RRB- and earthquake is not automatically included coverage in many states . Your insurance professional can guide you in securing the coverage you need , the coverage you want and an understanding of what is and what is not covered . 