What type of coverage protects against damage from natural disasters such as floods or earthquakes?

The type of coverage that specifically protects against damage from natural disasters such as floods or earthquakes is disaster insurance or supplemental natural disaster coverage. This coverage is designed to address the unique risks and circumstances associated with natural disasters that are not typically included in standard homeowners or general liability insurance policies.

Homeowners insurance may cover certain natural disasters, but it often excludes major perils like floods and earthquakes unless additional endorsements or riders are purchased. General liability insurance primarily covers legal liability for injury or damage to others, not damages to property caused by natural events. Comprehensive coverage generally pertains to auto insurance, specifically covering non-collision damages to vehicles.

Disaster insurance fills significant gaps for property owners in areas prone to destructive natural events, ensuring they have financial protection in place when these occurrences impact their homes and belongings.