House insurance can shield in opposition to excessive climate, however about half of Individuals don't perceive this – US TODAY

In the midst of a scorching housing market, many potential buyers overlook some of the fine details of insuring their large investment, according to a popular property listing website.

Data from has shown that listings are on the market 35 days less than last year and many buyers fail to consider how extreme weather events can affect the value of their property.

In a July 2021 poll of more than 3,000 Americans, found the following:

  • Just over half (56%) of homeowners knew what to look for in their home insurance when buying their home. 15% said they had no idea what to check.
  • The youngest generation understands home insurance the least: Only 39% of Generation Z (born between 1997 and 2012) said they knew what to look for in their policy when buying a house, compared with 58% of Millennials (1981-1996 .). ) and 58% of Generation X (1965 to 1980) and 57% of baby boomers (1946 to 1964).

  • 52% of American homeowners considered natural disasters in choosing the location of their current home.

Here are some common extreme weather scenarios, and whether or not they're covered by home insurance, courtesy of


Tornadoes were the top concern in the study, with 39% of homeowners saying they were worried about tornadoes. Based on insurance data from 2009 to 2016, wind-related incidents accounted for 24% of home insurance claims, more than any other category.

Home insurance usually covers damage caused to your home by tornadoes or storms, but only to a certain extent.

On Tornado Alley, which includes parts of Texas, Oklahoma, Iowa, Kansas, and Nebraska, a homeowner may have to pay an additional wind damage deductible. It could cover a "write-off" event; H. if the house is completely destroyed, the policy would pay to rebuild it.

Cold and snow damage

Most damage from cold weather or snow is covered by home insurance unless a homeowner shows negligence. For example, if a homeowner leaves the heater on in a house in cold weather and a pipe bursts, the owner must bear the cost. However, if a blizzard did break out and there was nothing an owner could do to prevent the damage, insurance would cover it.


Flooding is the most common natural disaster affecting homes, but it is not included in standard home contents insurance. Therefore, homeowners must purchase flood insurance from the National Flood Insurance Program or private insurance.

In certain flood-prone areas, the Federal Emergency Management Agency requires homeowners to purchase flood insurance, a policy that affects more than 5 million people, according to CNBC.

Current flood news: "Not knowing is the hardest part": Hope of finding survivors of the flood is waning in Waverly, Tennessee

More flood news: & # 39; Never seen anything so devastating & # 39 ;: At least 2 dead, 17 missing in Fred-flooded North Carolina


Household insurance excludes earthquakes, so homeowners in earthquake-prone areas should take out separate earthquake insurance. Even earthquake insurance doesn't necessarily cover rebuilding your home.


Hurricane damage can be caused by wind or water, which means that it is affected by a mix of different directives. As with tornadoes, wind damage is usually covered by home insurance, although a homeowner may have to pay an additional deductible before the policy covers the damage.

Water damage, such as a flood, is not always insured and must be taken out separately as flood insurance.

Michelle Shen is a money and tech digital reporter for USATODAY. You can reach her at @ michelle_shen10 on Twitter.

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