If you want coverage not included in a standard home policy, You will need to get that separately. This can contain such things as flood and earthquake coverage. These policies may have their unique deductibles also. Wind and hail: Windstorms, hurricanes and tornadoes can cause wind-linked harm to your home. https://property-coverages71479.canariblogs.com/the-smart-trick-of-liability-coverages-that-nobody-is-discussing-38876424