That depends on a few things. First and foremost, where you live. Your region will have a large impact on the availability of natural disaster home insurance plans. For example, Calfornia state actually requires insurance companies to provide plans that cover earthquakes specifically. Also, if you live in a community that meets the standards for flood prevention, you would also be able to take out coverage against floods. It also depends on the company. Certain companies won’t offer policies against natural disasters as they see it as too big of a risk.
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