What Is an Act of God?

Act of god

Disastrous events can happen when you least expect them. When they’re outside of human control, they’re described as an Act of God. An Act of God is an accident or event resulting from natural causes without human intervention, and one that could not have been prevented by reasonable foresight or care. For example, insurance companies often consider a flood, earthquake or storm to be an Act of God. Fire can also be an Act of God if it starts from lightning strikes. However, if it began from human activity, like faulty wiring, it’s not considered an Act of God. To learn more about Act of God losses that we cover, get a homeowners insurance quote from us today. You can also review other important homeowners insurance terms.

Are Acts of God Covered by Homeowners Insurance?

Act of god clause

Many standard homeowners insurance policies cover 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 policies. However, you can buy separate flood insurance. You can also add earthquake coverage to your homeowners policy.

Act of god insurance

Remember, most homeowners insurance covers 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. To learn more about the Act of God insurance coverage you need, get an insurance quote from us today.

Examples of Acts of God Insurance Coverage

If high winds or lightening cause damage to your house, your homeowners insurance coverage will likely already have Act of God clauses that help protect you. Act of God insurance coverage can also help pay for damages caused by: 

  • Hurricanes
  • Wildfires
  • Lightning storms

Act of god insurance coverage

To learn more about Act of God insurance that’s included in home policies. You can also learn more about homeowners insurance by reading through these pages:

Source: https://www.thehartford.com/aarp/homeowners-insurance/act-of-god

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