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是否家险包含风灾损失?

来源:Fortune | 2026年10月29日

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标准的房主保险通常会涵盖由风、冰雹、雷电和火灾造成的台风损害,包括对您的房屋和个人财产的损害。

Standard homeowners insurance typically covers storm damage caused by wind, hail, lightning, and fire, including damage to your home and personal belongings. Flooding, earth movement, and sewer backups are generally excluded from standard homeowners insurance and may require separate policies or endorsements. Some policies exclude certain types of windstorm damage, particularly in hurricane-prone or coastal areas. Hu

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