What Is an Act of God for Insurance?

Lightning damage is considered an act of God for insurance purposes.
Lightning damage is considered an act of God for insurance purposes. (Image: Image by Flickr.com, courtesy of Kevin Miller)

Both auto and homeowner's insurance policies address damage from acts of God, also referred to as acts of nature. Standard coverages vary by individual policy, insurance agency and by state.


An act of God refers to events outside of human control "which cannot be prevented," according to legal-explanations.com, and is used to identify coverage for, and property damage resulting from, such events.


Acts of God include tornadoes, hurricanes, lightning, straight-line winds, hail, earthquakes and floods. Your homeowner's and auto insurance coverage for acts of God depends on variables such as your proximity to high-risk storm areas, your home state, and your agency.

Coverage Issues

Acts of God fall under your comprehensive auto insurance, which covers damage by "flood, fire or animals," according to carinsurance.com. Your homeowner's policy may or may not cover acts of God, or may cover some events but not others.


Homeowner's policies do not include flood insurance. The National Flood Insurance Program offers coverage for "floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.," but only in communities that participate in the program. Call (888) 379-9531 to find out if coverage is available in your area.

High-Risk Areas

If you live in areas considered high risk for natural catastrophes such as hurricanes or earthquakes, you may need to purchase separate policies or add-ons specific to your coverage needs.

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