May 1, 2025
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End Times & Insurance: Key Coverage Facts for Homeowners
As the Easter holiday recently concluded, Christians around the world commemorated the death and resurrection of Jesus Christ—a pivotal event in their faith. According to sacred scripture, this event is not the end of the story. Prophecies point to Christ’s eventual return during a time of great spiritual conflict, often referred to as the End Times or the Great Tribulation.
With this in mind, a common question would surface: what happens to your homeowners insurance coverage during apocalyptic scenarios?
Understanding the “War Exclusion” in Insurance Policies
One of the most significant limitations in homeowners insurance is the war exclusion clause. If a nation were to invade the U.S., standard homeowners insurance would likely not cover any resulting damages.
Why? Because most policies exclude coverage for:
- War
- Undeclared war
- War-like acts by a military force
Even more concerning is that these terms are often undefined in policy language, leaving room for interpretation. In an apocalyptic context, if an insurance carrier deems a spiritual or supernatural army as a “military force,” they could potentially deny your claim.
Disasters Predicted During the Great Tribulation: Are You Covered?
Biblical prophecies describe several natural disasters that are expected to occur during the End Times. Here’s how they line up with typical insurance coverage:
| Disaster | Typically Covered? | Notes |
| Fire | ✅ Yes | Covered under standard policies |
| Lightning | ✅ Yes | Usually included |
| Wind/Tornadoes | ✅ Yes | Wind events are standard perils |
| Earthquakes | ❌ No | Requires optional earthquake coverage |
| Flooding | ❌ No | Must purchase a separate flood policy (usually via FEMA) |
| Famine | 🚫 Not Applicable | Insurance won’t help here—stockpile shelf-stable foods |
What About the “3 Days of Darkness”?
There’s a lesser-known, non-doctrinal belief that during the end times, the world may be plunged into three days of total darkness, with only blessed beeswax candles providing light.
So, what happens if those candles become a fire hazard?
If someone trips and knocks over a candle, resulting in a house fire, you’re covered. Fire is considered a basic peril in virtually all standard homeowners policies.
Faith & Preparation
Some scenarios require coverage, others simply require prayer. While no insurance policy can truly prepare us for the spiritual elements of the apocalypse, understanding your homeowners insurance can provide peace of mind when it comes to earthly destruction.
Categories: Blog
Tags: Life Insurance