With the effects of climate change becoming more evident, there is an increasing possibility that our homes will face potential threats from a range of unpredictable and costly weather-related conditions.  Fortunately, most homeowners have house insurance that covers many such incidents.  However, not all weather-related events are included in standard house insurance policies.  To protect yourself from the shock of being uninsured, you should check the extent to which your home is covered for things like earthquakes, hurricanes and/or tornadoes, flooding, snow or ice damage and frozen water pipes.  Also, consider coverage for other less dramatic but costly events, such as clogged waste pipes or septic systems, termite or rodent damage, mould, rot or other forms of deterioration.

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