Which type of insurance provides protection against natural disasters?

Homeowners insurance with a flood endorsement specifically addresses the risks associated with natural disasters, particularly flooding. While standard homeowners insurance typically covers property damage from various perils, it may not include coverage for flooding unless an endorsement is added. This endorsement allows homeowners to receive financial protection for damages caused by flood events, which are increasingly recognized as critical risks due to climate change and other environmental factors.

In contrast, general liability insurance primarily covers legal liabilities and damage claims made against the insured by third parties for bodily injury or property damage, without a focus on natural disasters. Workers' compensation insurance is designed to provide benefits to employees who suffer job-related injuries or illnesses and does not cover property damage. Commercial property insurance primarily protects businesses from risks like fire or theft but does not automatically include coverage for all types of natural disasters unless specifically detailed in the policy. Therefore, homeowners insurance with a flood endorsement stands out as the best option for protection against the unique and significant risks posed by natural disasters such as floods.