Over just the last two years, we've seen historic levels of damage inflicted by natural disasters in the U.S. Few areas of the country are immune to such disasters, from blizzards in Texas and wildfires in California to hurricanes in Louisiana and tornadoes in the Midwest. Despite this threat, most homeowners lack the insurance coverage needed to protect their property and possessions from such calamities. One major factor contributing to this lack of coverage is the false idea that homeowners