Hurricane season takes place June 1 – November 30 every year. Don’t wait until after you have a loss to check your insurance—review your homeowners or renters policies to make you have the right coverage in the event you're hit with a destructive storm.

Earthquakes and coverage

Earthquakes can cause much harm to home structures. They can damage housing foundations and collapse walls; even relatively mild tremors can destroy furnishings and belongings.

Aside from the danger of flooding, heavy rainfall can also lead to mudflow, basically creating a river of mud; and landslides, which are caused by the movement of the destabilized land—due either to gradual erosion or an accumulation of water.

Don’t confuse mudflows with mudslides as there are distinct differences.  Mudslides occur when a mass of earth or rock moves downhill, propelled by gravity. They typically don't contain enough liquid to seep into your home, and they aren't eligible for flood insurance coverage. In fact, mudslides are not covered by any policy.

When a major, federally declared disaster occurs, the Federal Emergency Management Agency (FEMA) offers assistance to individuals who've sustained damages. If you're the victim of a qualified disaster, here are some FAQs—and answers—about getting FEMA help.

When atmospheric conditions are right, tornadoes can strike with little warning and cause grave amounts of damage in a very short time. These tips can help minimize your risk and keep you and your family safe.

Thirty-eight U.S. states are at risk for wildfires, especially during drought conditions and in mountain, foothill or grassland areas. If this sounds like where you live, make sure you understand the risks and that you're adequately protected from these catastrophically destructive events.

Standard homeowners policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage. Policies do vary, though, so for your own peace of mind, check yours for the specific perils covered. Learn what's generally covered by each homeowners insurance policy type—and what's not. With escalating climate change risks, rising repair costs, and shifting insurance market dynamics, homeowners face evolving challenges in what is covered — and what isn’t.

To keep your family safe in a potential disaster, it's essential to have an evacuation plan—and that plan should include your pet. Since most public shelters exclude pets, keep your beloved animal safe and unharmed with this advice.