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Hazard insurance is included in your homeowners policy.

Hazard insurance is a common term used by mortgage lenders. Before a lender will give you a home loan, you'll likely need to prove you have a certain amount of hazard insurance or a dwelling coverage. You can usually accomplish that by getting homeowners insurance. With a homeowners policy, you can rest easy knowing your home is covered against a range of hazards.See note1

What may be covered under your homeowners policy.

  • Fire and smoke
  • Wind and hail
  • Volcanic eruptions
  • Explosions
  • Theft and vandalism
  • Falling objects, such as trees
  • Damage caused by the weight of snow, sleet or ice
  • Water damage caused by a household appliance or burst pipe
  • Power surges
  • Civil unrest or riot
  • Vehicles that run into your home
  • Damage from aircraft
  • Freezing

For example, you may want to add to your homeowners policy by purchasing earthquake insuranceSee note2 or flood insurance.See note3

Other parts of your homeowners policy help protect your personal belongings. They also include liability coverage, which helps protect you if someone is injured on your property.

More ways to protect your home

Hazard insurance FAQ

The amount you'll pay for homeowners insurance depends on many factors. If you select lower deductibles or higher limits for your homeowners policy, you'll usually have a higher premium. The types of coverage you choose will also affect the cost.

Get the coverage you need all under one roof.

Have more questions about hazard or homeowners insurance?

We're here to help. Call 800-531-USAA (8722).800-531-USAA (8722).