Log InHow a SuperCheck® Can Help Protect Your Assets from Natural Disaster
Dec 29, 2025
2 min read
Whether it’s tornadoes, hurricanes or wildfires, your assets are probably at risk for some kind of natural disaster. While there’s no way to predict exactly where and when a natural disaster will occur and how damaging it could be, a SuperCheck® could help you be more prepared.
What Is a SuperCheck?
A SuperCheck is a conversation where you review all of your insurance needs and your current coverage with a Farm Bureau agent. You can review insurance policies that you have with any insurance company. The agent will check for any gaps in your insurance and areas where you may need more insurance in the future. They will also look for ways to help you save money.
How a SuperCheck Can Help You Prepare for Natural Disasters
Your agent can help you evaluate risk in a range of areas and determine if the natural disaster insurance coverage you have is sufficient. Depending on the type of natural disaster and the damage it causes, you may need to review various insurance policies.
Auto Insurance
You might not think about auto insurance and natural disasters. You might be more focused on protection from accidents. But do you have the coverage you need for damage from hail or fire? Do you want replacement cost coverage so you can afford a new car if necessary?
Homeowners or Renters Insurance
Most homeowners insurance policies cover damage from:
- Fire and smoke
- Lightning
- Wind
- Hail
- Explosions
- Volcanoes
- Heavy ice or snow
Do you have the coverage you need to replace your property and possessions if they were damaged or destroyed in a natural disaster? Do you have expensive items that need additional coverage? Policies for home insurance and renters insurance and natural disasters vary, and your agent knows how to evaluate risk management for homeowners and for renters.
Umbrella Insurance
Umbrella insurance adds additional protection beyond the coverage you get from your homeowners and auto insurance policies. Suppose you were driving during a snowstorm and you were responsible for an accident where other people were injured. Umbrella insurance could help cover the cost of high medical bills or a lawsuit.
Flood Insurance
Most homeowners insurance policies do not include flood insurance. If you live in an area where flooding is a possibility, you may want to consider buying a policy from a place like the National Flood Insurance Program which is backed by the federal government.
Earthquake Insurance
You might be able to add earthquake insurance to your homeowners insurance policy or buy a separate policy to cover damage from earthquakes, if this is a type of coverage you need.
Life Insurance
What would happen if you or a loved one lost their life in a natural disaster? Life insurance helps cover the financial strain of lost income. It’s an important part of your protection if you have people who count on you.
Get Prepared for Natural Disasters
There’s a lot to consider when you’re reviewing your insurance coverage for natural disasters, but you don’t have to do it alone. Farm Bureau insurance agents have the in-depth knowledge to review your policies, the risks in your area and your personal situation. They can help you be sure you have the coverage you need to protect yourself, your family and your assets. Reach out to Farm Bureau today to schedule a SuperCheck.