![]() Is Hazard Insurance the Same as Homeowners Insurance? If you live in a coastal area that’s prone to hurricanes, you may also need to buy separate hurricane insurance because windstorm damage may be partially or completely excluded from your home insurance policy. ![]() Related: What does homeowners insurance cover? That includes personal property (all of your belongings)), liability and additional living expenses if you need to vacate your home while it’s being repaired or rebuilt. You can buy separate insurance to cover some of these problems, such as a separate earthquake insurance or flood insurance policy.Īlso, hazard insurance doesn’t cover things that are already covered by other sections of a homeowners insurance policy. Hazard insurance doesn’t cover damage from floods, mudslides, earthquakes or pests such as termites. The list of problems covered is fairly extensive but hazard insurance doesn’t cover you in every situation.
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