Does property insurance cover Acts of God?

  • by GringoGestapo
  • Oct 11,2017
  • 12 answers

Does property insurance cover Acts of God?


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Insurance Answers (12)

mbrcatz last month

Insurance policies neither cover, nor exclude, "Acts of God". That phrase is very popular in Hollywood, but in 35 years of reading policies, I've only ever seen it referenced once (on a type of policy you've probably never heard of, and probably won't ever buy.)
Property insurance names the things they cover: Fire, lightening, wind or the things they exclude: Flood, Earthquake, nuclear radiation.
So the rest of your question is irrelevant.

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Evan H last month

no. you specifically need flood insurance, fire insurance, etc. Your home owners insurance or renters insurance is likely going to say cover you to replace computers, tvs, appliances etc that get damaged in the event of a major storm, but damage to the property itself not so much. But if you have a good agent they should have offered you options to cover that.

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H. Marie last month

if the policy specifies acts of God are not covered, no

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Willie 2 months ago

No.

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greenfrogs 2 months ago

no

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exactduke 2 months ago

Generally they do. But you will need a special rider for earthquake insurance. And if you're in a flood plain, you'll need flood insurance.

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Casey Y 2 months ago

You can call them acts of God, I can call them acts of nature...they are the same thing. The only difference, mine doesn't imply that the act is in response to something you did personally...
Pretty tough to argue acts of God when entire neighborhoods flood. I bet there was at least one good person in there who was free from sin...when you are talking about thousands of people...

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StephenWeinstein 2 months ago

Insurance covers acts of God. It is not considered protection forom being punished for one's sins.

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Hope is certainty 2 months ago

Insurance companies still think God controls the weather instead of ourselves.

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Jo 2 months ago

Check yourself into a mental hospital nutjob!

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Flatulent Tea Bag Face 2 months ago

Insurance companies don't necessarily think a God is controlling the weather, it's just a way of describing a natural act. They do pay out for it sometimes but it costs more to have fully comprehensive cover, and they refuse to insure high risk flood areas at all.

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Ian 2 months ago

Your sins are not acts of god, they are acts of you and hence not insured under buildings and contents insurance. You are probably thinking of Public Liability Insurance, or if you sin in the course of your job, Professional Liability insurance.
Hope that helps

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