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In majority of states no. Special flood coverage has to be bought.

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Q: Will A Standard Homeowner's Policy Cover Flood Damage?
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Does homeowners pay for fence damage by wind?

Subject to your deductible, yes a standard HO3 policy should cover your wind damage.


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No. Damage from insects would not be covered on a homeowners policy.


Does Allstate cover lightning strikes in there homeowners policy?

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Does travellers insurance policy cover damage caused by raccoons?

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Will the Homeowners GL policy cover damage to an associations property from a fallen tree- ie drainage flume owned by the association?

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