My oldest daughter is an insurance wonk. She is my homeowner's agent so when she told me to read my policy I did.
Know what I discovered? A glaring lapse in coverage on certain issues. Such as volcanoes. Now I know that the nearest one is 2000 miles away but still. Don't you think they should give me the option?
No coverage for nuclear (both war and reactors) and tsunamis either. Sure there haven't been any issues for decades (kinda'. Near as I know Kentucky has NEVER had to face a tidal wave) but I think I should be protected. Just in case.
Because you never know. California (and Nevada,Utah, Colorado, Kansas and Missouri) could fall off after a major earthquake and there I'd be a mere 250 miles from the coast.