Which type of property insurance covers natural disasters specifically?

Flood insurance is specifically designed to cover damages resulting from floods, which are natural disasters. Standard homeowner's insurance typically does not cover flood damage, as it generally protects against risks like fire, theft, and certain types of weather-related damage. Contents insurance focuses on protecting personal belongings within a residence but also does not cover flooding specifically. Business interruption insurance provides coverage for loss of income due to a business being unable to operate, but it does not directly address property damage from natural disasters.

Flood insurance is essential for homeowners and businesses located in areas prone to flooding, and it is often a requirement for properties in designated flood zones. This type of insurance is typically purchased separately from standard homeowners or property policies, emphasizing its specific application in the realm of natural disaster coverage.