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Tornadoes can roar through a community and leave scores dead,countless more injured and financial losses in the billions. Yourlife can be thrown off course in just a matter of minutes.

Having the following six types of insurance can help restore a bit of normalcy toyour life following a storm.

1. Replacement-cost home insurance

If your home value is declining, it may be tempting to try tosave a few dollars by insuring your home for the amount it wouldsell for instead of its replacement cost. But experts say that's amajor mistake.

"People go through a devastating experience and find they don'thave enough coverage to rebuild," says Melissa Digby, national lossprevention director for USAA.

In fact, nearly two-thirds of homes are underinsured, accordingto a 2009 survey by the insurance consultancy Marshall &Swift/Boeckh (MSB).

It's imperative that you have enough coverage to rebuild yourhome if it's destroyed. Even if your market value has plummeted,building material costs have not, says Jim Quade, director of fieldsales operations at Liberty Mutual.

Digby recommends reviewing your amount of home insurance coverage every couple of years, aswell as any time you make a major change, such as upgrading yourkitchen or replacing the roof.

Residents use tarps to prevent more water from damagingtheir already demolished homes in St. Louis after they were hit bya tornado on Friday, April 24, 2011. (Photo: Jonathan Street /Shutterstock.com)

2. Loss-of-use home insurance

Your home insurance policy likely covers your costs if you'reuprooted from your home following a tornado or other disaster,Quade says. Such "loss-of-use" coverage reimburses you for livingexpenses such as hotel rooms and restaurant meals.

There often are limits to the length of time for which you'll bereimbursed and dollar caps on how much an insurer will cover.However, your insurer might grant exceptions to the rule, Quadesays.

For example, following Hurricane Katrina, Liberty Mutual waivedthe limits because a lack of materials and labor delayed rebuildingin many places.

Cars and homes were heavily damaged by a tornado that sweptthrough Maryland Heights in the suburbs of St. Louis on GoodFriday, April 22, 2011. (Photo: Martin Haas /Shuttterstock.com)

3. Renters insurance

Do you rent an apartment or a home? You might think you don'tneed insurance coverage because the landlord's policy will coverthe building if it's blown away.

However, if you don't have rentersinsurance, you won't have coverage for any personalpossessions. A landlord's policy generally does not cover yourbike, big-screen TV or other possessions.

Also, without renters insurance, you won't have assistance tocover costs associated with a temporary relocation while you waitfor the building to be repaired.

Cars and homes were heavily damaged by a tornado that sweptthrough Florissant, Missouri in the suburbs of St. Louis on, May31, 2013. This gas station roof fell on several cars. (Photo: SteveCollender / Shutterstock.com)

4. Comprehensive car insurance

If you have a clunker, chances are good you'vedropped comprehensive coverage in order to save abuck. But without this type of car insurance, you won't havecoverage to help fix or replace your car if it's upended by atornado or a tree comes crashing down upon it.

You'll need to weigh the costs and benefits of dropping suchcoverage. If you can't afford to purchase a new car, it might makesense to hold on to that comprehensive coverage even if your car isnearing the end of the line.

(Photo: Ben Carlson / Shutterstock.com)

5. Health insurance

According to the U.S. Census Bureau, more than 50 millionAmericans didn't have health insurance in 2009. Without suchcoverage, you could face a real catastrophe if you're injured in astorm.

One way to protect yourself is to purchase a high-deductiblehealth policy. Monthly premiums are fairly low, and such a policycan be a life saver if you're facing medical bills.

(Photo: Shutterstock.com)

6. Disability insurance

For many people, the reality is that they are just a paycheckaway from being unable to pay their bills. Disability insurance canhelp cover bills if you're severely injured in a tornado and areout of work for several weeks or months.

Disability insurance typically provides anamount equal to 60% of your paycheck, says Cathy Liston, head ofdisability and absence management at Aetna.

Some companies offer short-term disability, which covers between13 and 26 weeks. Others have long-term disability insurance whichapplies for several years, Liston says.

Additional information:

Homeowner, condo and renters insurance: 5 things toknow

Umbrella policies: A guide for homeowners

Do homeowners file fewer auto insuranceclaims?