Are tsunamis covered by insurance?

Are tsunamis covered by insurance in Australia, generally yes tsunamis are covered under standard home building insurance as part of storm, flood or earthquake and tsunami extension, but check PDS as some policies exclude tsunami or require flood cover. In Australia, most building insurance from NRMA, Allianz, Budget Direct covers tsunami as part of earthquake and tsunami, or as part of flood and storm surge, with sum insured $500K to $1M, covering building damage from wave, debris and water, with excess $500 to $1,000, and contents $80K covered if combined. For example, NRMA building PDS includes tsunami under earthquake and tsunami, Allianz includes under flood if flood cover included, Budget Direct includes tsunami under storm and flood. However, some budget policies may exclude tsunami if flood excluded, as tsunami considered flood, so you need flood cover included, which costs extra 10% to 20% and may be excluded in high-risk coastal areas. In US, tsunami covered under flood insurance from National Flood Insurance Program, not standard homeowners, requiring separate flood policy $500 to $1,500 per year. In Japan, tsunami covered under earthquake insurance. So in Australia, tsunamis generally covered under building insurance if flood and earthquake included, covering wave damage $100K to $500K, but check PDS for tsunami exclusion, and ensure flood cover included for coastal properties, otherwise claim may be denied if flood excluded.