Living in California comes with unique risks, such as earthquakes and wildfires. Your standard home insurance policy might not cover everything you need. Understanding the home coverages you may need in California is crucial for protecting your property and your peace of mind. Let’s look at some important coverages to consider.
Earthquake Insurance
Did you know that standard homeowner’s insurance policies typically do not cover earthquake damage? In a state known for seismic activity, this is a major gap in coverage. Earthquake insurance is a separate policy you can purchase to cover repairs to your home and other structures on your property if an earthquake strikes. It can also cover the cost of living elsewhere while your home is being rebuilt and help replace personal belongings.
Flood Insurance
Many people believe their home insurance covers flood damage, but this is rarely the case. Flood insurance is a separate policy, often managed by the National Flood Insurance Program (NFIP). Saferoad Insurance offers comprehensive flood insurance tailored to your needs.
With changing weather patterns and the risk of atmospheric rivers, even areas not traditionally considered flood zones can be at risk. This coverage protects your home’s structure and your possessions from damage caused by flooding.
Wildfire Coverage
While most standard home insurance policies include fire damage, the increasing frequency and intensity of wildfires in California have made insurers more cautious. It is important to review your policy to understand your dwelling coverage limits. You want enough coverage to rebuild your home at current construction costs.
Some homeowners in high-risk areas may need to seek specialized coverage. Coastal cities may face different challenges, but you should still review fire protection when searching for home insurance in Long Beach.
Prepare for the unexpected by securing the home coverage you need in California with Saferoad Insurance. Contact us today to review your policy and discuss your coverage options.