How to Choose the Best Home Insurance for Natural Disasters (2025 Guide)
How to Choose the Best Home Insurance for Natural Disasters (2025 Guide) In 2025, natural disasters are no longer rare — they're expected. Whether it's wildfire in the West, hurricanes in the South, or flash floods nationwide, having a disaster-ready home insurance policy is more important than ever. 🌪️ Common Natural Disasters to Consider Floods – Often excluded from standard policies Wildfires – Increasing in frequency across dry regions Earthquakes – Not automatically included; needs separate rider Hurricanes & Windstorms – May require higher deductibles or wind-specific coverage 🏡 Must-Have Coverage Features Replacement cost coverage – Not just actual cash value Loss of use – Covers hotel stays and temporary living expenses Optional riders – Add-ons for excluded disasters like flood/quake 🔍 Top Providers to Watch in 2025 Hippo – Offers modern policies with home tech discounts Kin – Tailored for hurricane- a...