Which type of insurance would typically cover natural disasters?

Homeowner’s insurance is designed to provide financial protection for a person's home and possessions. This type of insurance typically covers a wide range of risks, including damages caused by natural disasters such as fire, windstorms, hail, and in many cases, flooding and earthquakes, depending on the specific policy. Homeowner's insurance not only protects the structure of the home but also covers personal belongings inside it, ultimately providing peace of mind to the homeowner in the event of a disaster.

In contrast, liability insurance primarily protects individuals or businesses from claims resulting from injuries or damages to other people or their property, which does not include natural disasters. Health insurance covers medical expenses for illnesses and injuries, focusing on individuals' health care needs rather than property protection. Life insurance provides a financial payout upon the death of the insured, meant to support beneficiaries rather than protect against property damage due to natural events. Thus, homeowner's insurance specifically addresses the need for coverage against natural disasters, making it the appropriate choice in this context.