The fine print for any insurance policy can overwhelm anyone. No one enjoys reading these contracts line by line. Unfortunately, this can lead to gaps in coverage. Here are three scenarios to account for.

1. Floods

Many people assume that floods are automatically covered by standard homeowners insurance. However, this is not true. Even a couple inches of water can destroy a house. Flood insurance often covers garages, carpeting, washers/dryers, curtains and more. It may fail to protect cash, decks/patios, fences and automobiles. That is why it is important to work with insurance agencies Fort Myers FL to make sure your assets are covered.

2. Nuclear Accidents

Although this may seem irrelevant, mishaps surrounding nuclear power plants do occur. Catalysts such as earthquakes can cause meltdowns. Residents around Three-Mile Island and Fukushima in Japan know how devastating these disasters can be.  Thankfully, companies who own and operate these facilities are liable for any failures that occur. Still, it is valuable to prepare for any possibility.

3. Wars

This is certainly not something that citizens want to think about. However, that does not mean that people should avoid the topic. The idea of global politics means anything can occur at any time, even during periods of peace. Riots, battles, drone strikes and acts of terrorism can result in loss of life or property. No geographical areas are immune from these catastrophes.

4. Maritime Circumstances

The open seas are certainly no strangers to hosting a variety of hostile environments. Oceans, lakes and rivers can show how mighty large bodies of water can be. Boats, machinery, docks and cargo are all vulnerable. The businesses and livelihoods of many people can be ruined by the destructive power of nature.

After reading these situations, you should be more prepared to protect yourself and your loved ones.