Money Tornadoes, hurricanes and earthquakes: What does home insurance cover after a disaster? May 30, 2019May 30, 2019Janna Herron, USA TODAYComments Off on Tornadoes, hurricanes and earthquakes: What does home insurance cover after a disaster? How well will your homeowners or renter’s insurance hold up in a tornado or other natural disaster? The answer largely depends on the storm.