Which type of insurance covers damage caused by acts of God, such as earthquakes and floods?

The type of insurance that specifically covers damage caused by acts of God, such as earthquakes and floods, is earthquake insurance. This insurance is a specialized form of coverage designed to provide financial protection against loss or damage that results from seismic activity.

Regular homeowners insurance typically does not include coverage for earthquakes or flooding; these catastrophic events require separate policies or endorsements. Comprehensive insurance commonly refers to coverage for vehicle damages rather than property-related issues, and while specialty insurance can encompass various unique risks, it is not specifically designated for acts of God like earthquake insurance is.

Therefore, earthquake insurance is the clear choice for those seeking protection specifically against earthquake-related damage.