What Is an Act of God in Insurance Terms?
Disastrous events can happen when you least expect them. When they’re outside of human control, they’re described as an Act of God. The phrase Act of God refers to an accident or other natural event caused without human intervention that could not have been prevented by reasonable foresight or care.
For example, insurance companies often consider storms to be an Act of God. Fire can also be an Act of God if it starts from lightning strikes. However, if it wasn't an act of nature and began from human activity, like faulty wiring, it’s not considered an Act of God.
To learn more about what Acts of God are covered, get ahomeowners insurance quote from us today. You can also review other important homeowners insurance terms.
Are Act of God Insurance Clauses Included in My Homeowners Insurance?
Many standard homeowners insurance policies cover damage from natural disasters, which means hurricanes, tornados and lightning storms can be covered. Act of God events caused by floods or earthquakes are not covered under standard homeowners insurance policies. However, you can buy separateflood insurance to cover flood damages. You can also add earthquake coverage to your homeowners policy.
Remember, most homeowners insurance policies cover common Acts of God. However, it’s always a good idea to make sure your policy also has enough property insurance and others structures coverage.
Examples of Home Insurance for Acts of God
If high winds or lightning cause damage to your house, yourhomeowners insurance coverage will likely already have Act of God clauses that help protect you. Home insurance coverage can also help pay for damages caused by Acts of God, like:
- Hurricanes
- Wildfires
- Lightning storms
To learn more about the Act of God insurance protection that’s included in our home insurance policies, call our representatives at 888-413-8970. They can answer your questions and walk you through ourhomeowners insurance claim process if you’re interested.
You can also learn more about homeowners insurance by reading through these pages:
For most homeowners insurance, Act of God events that are caused by floods or earthquakes are not covered. This is why many homeowners buy separate flood and earthquake insurance policies.
Get a Quote for Homeowners Insurance
Learn more about Act of God losses and your homeowners insurance policy bygetting a homeowners insurance quote from us today. With the AARP Auto Insurance Program from The Hartford, you can get the coverage you need at the right price.
Last Updated: September 15, 2022
