If 2020 has taught us anything, it is that a healthy tomorrow isn’t promised to anyone. You’ve seen round-the-clock news coverage of the deadly pandemic. Hurricane after hurricane has hit the gulf coast. In fact, 2020 broke a record for named storms! Some places are flooded while others are on fire. There’s been widespread confusion, anger, and protests. In short, 2020 has been nothing short of a catastrophe.
What would you do if a catastrophe impacted your own life? The answer to this has to do with what kind of protection you have. This is why now is the time to look into Texas catastrophe insurance. Hopefully, in the event of a catastrophe you won’t realize your regular homeowners policy doesn’t cover what you need it too. Remember, it doesn’t cover everything and anything that could possibly happen!
Many homeowner policies cover only named “perils.” Certain geographical areas in the U.S. are considered high risk for hurricanes, tornadoes, windstorms or floods. Homeowner policies typically exclude several types of natural disasters, such as earthquakes, other forms of earth movements such as sinkholes and landslides, floods, and nuclear incidents. These aren’t considered a peril but instead a “catastrophe.”
As stated above, most insurance policies don’t cover flooding. Your policy probably doesn’t cover an earthquake, terrorism, or an act of war. Do you hope these events never happen? Of course! Would it be devastating if something like this happened and you had no financial compensation for what you have lost? Absolutely!
You may need catastrophe insurance if you live in any area which is prone to natural disasters. Let’s face it, just about all of Texas is prone to natural disasters! Beyond that, our high number of military bases could possibly mean we’re at a higher chance to see terrorism, an act of war, or some other kind of attack that isn’t typically covered. The best approach to find the most suitable catastrophe coverage for your geographical area, specific house, and unique living situation is to talk with a trusted insurance professional.
Why Catastrophe Insurance Is Important
Texas faces a wide range of severe weather patterns and unexpected disasters each year, making expanded protection essential for residents. While standard policies provide a foundation of coverage, many of the most financially devastating events fall outside traditional homeowners insurance. Understanding these gaps helps you make informed decisions about your long-term security.
Recent Natural Disasters in Texas
- Texas experiences frequent hurricanes along the Gulf Coast, causing widespread flooding and wind damage.
- Extended droughts increase the risk of wildfires destroying entire neighborhoods.
- Sudden winter storms, like the 2021 freeze, can lead to power grid failures and severe property damage.
Gaps in Standard Homeowners Insurance
- Typical homeowners policies limit coverage to named perils, leaving out many high-risk events.
- Flooding is almost always excluded, even though it’s one of the most common causes of property damage in Texas.
- Earth movements, war-related events, and other catastrophic hazards require supplemental protection.
What Catastrophe Insurance Covers
Catastrophe insurance for homeowners provides a broader safety net, ensuring you’re protected from events that regular policies commonly exclude. These coverages help reduce financial loss and give you peace of mind in high-risk regions.
Floods, Hurricanes, and Windstorms
- Covers storm surges, coastal flooding, and severe rainstorms that damage foundations, roofs, and interiors.
- Protects against hurricane-related wind damage, including broken windows, structural impacts, and debris destruction.
- Helps homeowners recover quickly after major weather events that leave widespread devastation.
Earthquakes, Sinkholes, and Landslides
- Provides coverage for structural damage caused by ground shifting or collapsing.
- Helps repair foundations, walls, and other home components impacted by earth movement.
- Supports repairs and rebuilding efforts after sudden or unexpected geological events.
Acts of Terrorism or War
- Offers financial protection if property is damaged due to terrorism-related incidents.
- Helps cover losses in rare but destructive attacks affecting residential areas.
- Ensures homeowners aren’t left with unrecoverable expenses after events excluded by standard policies.
H2: Who Needs Catastrophe Insurance
Homeowners living in high-risk areas—such as coastal regions prone to hurricanes, zones with frequent flooding, or communities near military bases and critical infrastructure—benefit most from catastrophe insurance. These locations face elevated exposure to severe weather, earth movement, or potential targeted incidents, making expanded protection essential for long-term financial security.
Every homeowners policy is different, so it is important to know what your policy does and does not cover. To get a better understanding of the risks in your area and the different kinds of catastrophe coverage available, we encourage you to contact a helpful Pronto Insurance team member. This can be done over this phone or online. One of these knowledgeable and friendly professionals can help you get your questions answered and will be able to provide a competitive quote so you can find the right coverage for your needs. No one wants a catastrophe like a flood or terrorist attack to happen at all, much less to them. That doesn’t stop them from happening though. If the unthinkable should happen to you, your family, and your home, catastrophe insurance means financial ruin won’t be added to what has already happened to you.
