Does Your Homeowners Insurance in Antioch Cover You from Disasters?

Your homeowners insurance in Antioch covers your property from the storm.

Across the nation, there are plenty of disasters. From hurricanes to tornadoes to flooding and severe storms, there are only a few disasters that the U.S.A doesn’t experience. As well as mayhem and interruption of daily life, these incidents can cause significant damage to properties. For this, homeowners insurance in Antioch steps in to help cover the cost of restoring your home and belongings the way they were.

While most homeowners insurance policies will protect your home and belongings through disasters, every policy has its limits. A standard policy may cover:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Smoke damage
  • Vandalism
  • Theft
  • Damage caused by aircraft
  • Damage caused by vehicles
  • Riot or civil commotion

Common disasters that are not covered by homeowners insurance include:


Flood damage is generally excluded under standard homeowners and renters insurance policies. You may purchase insurance in the form of a separate policy from the National Flood Insurance Program so that you can get assistance should your home face damage from a flood.


Earthquake coverage can be a separate policy or an endorsement in your homeowners policy. It’s worth obtaining such coverage when located in an area or state that is prone to earthquakes.

Sewer Back-Up

Sewer backups or the inability of sump pumps to handle runoff water from major downspouts are not covered under a typical homeowners insurance policy, nor are they covered by flood insurance. This coverage must be purchased either as a separate product or as an endorsement to a homeowners policy.

Take the time to review your homeowners insurance today! To receive reliable insurance that suits your home and needs, as well as protecting it from a variety of disasters, visit the professionals at Jack Stone Insurance Agency. We serve Brentwood, Antioch, and surrounding metropolitan areas of California!

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