What is an ‘act of God’?
While it’s not a term we use ‘acts of God’ are still referred to by some insurance companies. But what sort of event does an ‘act of God’ refer to, and can you get act of God insurance to cover against these events?
In broad terms, an act of God can be defined as a disastrous natural event outside human control, such as some floods, an earthquake, hurricane or volcanic eruption. It’s sometimes used by insurance companies to describe natural events that can’t be predicted and therefore prevented by reasonable means.
Does Home Insurance cover against acts of God?
Insurance companies base their rates on perceived risk, where they can estimate the risk of an event like a fire, burst pipe or structural failure to your home fairly accurately, because these events are common enough to provide a solid basis for their calculations.
Home Insurance policies will cover against damage from the likes of lightning and earthquake as standard, though it’s always a good idea to check your policy thoroughly, that this is the case and get clarification from the insurance company if you’re still unsure.
You should also do your own research into any potential threats specific to your local area. Whilst earthquakes are unlikely to be a problem within the UK, damage from freak floods is becoming more common. So, if your home is on a floodplain, its wise to check whether flooding is covered by your insurance policy.
Our Home Insurance cover
Our Home Insurance covers against loss or damage resulting from lightning, earthquakes and floods as standard. However, every insurance policy has its own limitations and exclusions, so you should check what’s included before you purchase. Please read the Key Documents carefully before you buy.