We have homeowners insurance, but I'm not sure it covers so called acts of god. Tornado, flood, forest fire etc.
What is the point of having insurance then? really! The only thin our insurance seems to protect us from is fire and vandalism. Oh and liability if someone is hurt on our property.
I am going to call our provider on Monday and find out what it will take to bump our coverage up. I would rather pay five hundred more a year if it means I'm not homeless in the case of a natural disaster!