Natural disasters bring loss of life and property and some insurance covers protect yourself and family during any natural calamity. Life insurance provides cover in case of death by special perils like fire, storm, cyclone, earthquake, and flood. A term policy supports the family in case of any unforeseen circumstances and the premium rate for the same is normally low. Home insurance also provides protection against burglary, damage and electrical breakdowns. Personal accident insurance is useful in case of permanent disability and death; you get 100% lump sum amount of the sum insured and in case of partial disability, you get some percentage of the sum insured, depending upon the insurance company. Read more at: http://www.financialexpress.com/money/insurance/crisis-insurance-how-to-protect-yourself-against-natural-disasters/624700/