August 18, 2020
A California Personal Insurance Update
Are you concerned about wildfires and other disasters that might destroy your home, car and other personal property? Many in Northern California are exposed to earthquakes, landslides, floods, High winds, wildfires and other disasters that cause considerable damage and loss. While it may be possible to stop wildfires and other natural disasters there are many things you can do to protect yourself and your family from financial disaster.
According to many experts, California is one of the top-rated states for disasters. That is why it is important to have the best possible combination of disaster coverage, price, and service.
What Are The Most Common Disasters California Homeowners Face?
Wildfires. Wildfires are fires that have a major impact on homeowners in California. Wildfires are fires that are generally located in remote areas, but also run through housing developments and cause major loss and damage to homes.
Earthquakes. Earthquakes occur almost every day in California. Earthquake damage is not covered under a standard homeowner’s insurance policy.
Flooding. Floods can occur in areas far away from rivers and oceans. Floods are rising waters that caused by heavy rain, snowmelt, causing rivers and waterways to exceed their banks. Flooding is not covered under a standard homeowner’s insurance policy. Flooding is not considered back-up water in the sewer which cases water damage in your home.
Landslides. A landslide is a movement of land that moves done a slope. Landslides can be caused by heavy rain, flooding, earthquakes, and even improper engineering in the design of a home or development.
How Will Your Homeowners Insurance Respond?
It is very important to have a good understanding of how your homeowner's insurance will respond to these kinds of risks and how to protect you and your family from financial disaster. That is why we are here to help to understand your risks and how to manage them best. For example, your homeowners or renter policy will most likely cover loss as a result of a wildfire. On the other hand, your homeowners or renters insurance will not cover floods or earthquakes. There are separate policies for these kinds of disasters.
