Is Your Home Insurance Ready for a Natural Disaster?
Create a disaster plan.
Here are some ways you can start to create a disaster plan for you and your family.
-
Have an evacuation plan.
Make sure everyone knows how to get out, where to go and who needs help.
-
Create an emergency kit.
Know what to include like a flashlight, duct tape, first aid kit, water, rope and batteries.
-
Keep your documents safe.
Have digital backups of financial, medical and legal documents, and use a fireproof safe.
-
Plan for your pets.
Be ready to protect every member of your family, including pets.
-
Inventory your belongings.
Document your belongings to make sure your stuff is covered.
Preparing for individual natural disasters
-
Hurricanes: Be prepared and stay safe.
Plan ahead with resources on evacuation routes, emergency supplies, home prep and insurance info. Don't wait until hurricane season to get started.
-
Hail: Avoid damage and danger.
Hail poses a threat to you, your roof and your vehicle. Take steps to help protect yourself and your stuff from hail damage.
-
Winter storms: Get supplies and stay warm.
Winter storms can pose threats to your home, property and health. Know how to avoid dangers like freezing pipes, car accidents, hypothermia and carbon monoxide poisoning.
-
Floods: Get coverage and be ready.
Floods can occur anywhere and are considered the nation's most common natural disaster. Learn about what steps to take if floodwater damages your home and vehicles.
-
Tornadoes: Prepare your home and find shelter.
Tornadoes can happen with little or no warning, so it's important to always be prepared. From seeking shelter to protecting your home, know what steps you can take to lessen danger and damage.
-
Wildfires: Protect yourself and your home.
Keeping your home safe during a wildfire starts with preparing before the fire begins. Know how to safeguard your home ahead of time.
-
Earthquakes: Brace your home and yourself.
Mitigating earthquake damage and protecting your home starts with reinforcement, bracing and securing your property. If you live in an earthquake-prone area, take some time to protect your home before it shakes.
Know your risks and help protect your property.
Find out if your property could be vulnerable to natural disasters and what coverage you might need.
PROPERTY RISK ASSESSMENT
Know the risks from flood, storm surge, wildfires and more natural disasters.
NATURAL DISASTER COVERAGE REVIEW
Get the coverage that's right for you and your family.
BUILDING CODE LOOKUP TOOL
Find your code and learn disaster safety upgrade options.
We recommend reviewing your insurance coverage every year with a USAA representative. You can ensure your deductibles are appropriate for your risk tolerance and insurance budget. Call USAA at 210-531-USAA (8722) or 800-531-USAA (8722).
Take steps to help protect your financial health.
We have tools that help you prepare financially for a natural disaster.
Apply for an Account
A savings account is a great place to build an emergency fund.
Save Automatically
The Savings Booster is a free tool that can help you save.
Manage Your Accounts
Make it fast and easy to access your accounts in one place.
Related Articles
-
How to Protect Your Roof From Future Water Damage
When you're safeguarding your home, take it from the top: Your roof is your first line of defense.
-
Don't Let a Natural Disaster Wipe Out Your Finances
Natural disasters can destroy everything in their path, but they shouldn't devastate your finances.
-
Why Flood Insurance Is a Wise Homeowner Bet
The federal government considers floods the nation's most common natural disaster.