What type of insurance typically covers "acts of God"?

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Property insurance typically covers "acts of God," which are often referred to as natural disasters or unforeseen events such as hurricanes, tornadoes, floods, and earthquakes. These events can cause significant damage to physical property, and property insurance is designed to protect against losses related to such incidents. The policy may cover the repair or replacement of buildings, personal belongings, and certain types of damage that result from these natural occurrences.

While health, automobile, and liability insurance cover different areas—such as medical costs, vehicle-related issues, and legal responsibilities, respectively—they do not specifically address damage to property caused by natural disasters. Thus, property insurance is the most relevant type of coverage in relation to protecting against the effects of acts of God.

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