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What is hazard insurance?
Jack O'Donohue avatar
Written by Jack O'Donohue
Updated over 11 months ago

Hazard insurance is a part of homeowners insurance specifically designed to cover damage to your property caused by hazards such as fire, wind, hail, theft, or vandalism. It typically doesn't include coverage for natural disasters like earthquakes or floods, which require separate policies. Hazard insurance is often required by mortgage lenders to protect the investment in the property. It can help cover the cost of repairs or replacement of your home and belongings in case of damage from the covered hazards.

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