Anyone know about Home Insurance?

The expression used in Italy is "calamità naturale", natural disaster, and I think it is self-explanatory; anyway it's possible to subscribe an insurance that cover all of that: fire, earthquakes, bradisism, landslides, flood and drought. This kind of insurance is called "Assicurazione calamità naturali", most offers are customizable (according to each location an event can be way more likable than another one) and price per year starts from 160 €.

Unlike onther European Countries, though, in Italy this kind of insurance is still not required by law, although there are talking about.

You posted to the USA board, so you get a USA answer.

"Act of God" is NOT an insurance term, it's a legal term. Everything covered or excluded is specifically described in the policy - including lightening, earthquakes, flood, war, nuclear explosion, etc.

So, you read the policy, to see what is EXCLUDED. Common exclusions are termites or other insect infestations, damage done by your pet, deliberate damage by the insured (arson comes to mind), flood, earthquake, war, mold, radiation, etc.

If you believe in God then everything is an act of God. I suppose it is something that doesn't usually happen and therefore not included in the risk assessment.