Natural Disaster
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Does Home Insurance Cover Storm Damage?
Storm damage can be a tricky one in terms of whether it is covered by a standard home insurance policy or not. Some types of storm damage are covered while others are not. Some effects of a storm will be covered while others will not. It is important for a homeowner to understand exactly what ... Read more
Does Homeowners Insurance Cover Natural Disasters?
Standard homeowners insurance covers many of the common natural disasters, except for flooding and earthquakes. The list of excluded natural disasters can vary state by state and by location in general. High-risk and/or coastal properties may require additional coverages or standalone policies added to be protected from some of these perils.
Does Home Insurance Cover Earthquakes?
Protecting your home from earthquakes is very important when you live in an area where they are prominent. You might be wondering “does home insurance cover earthquakes?” No, a standard homeowners policy does not cover earthquake damage. You need to obtain a separate policy specific to these damages. If you already have homeowners insurance and ... Read more
Does Renters Insurance Cover Hurricane Damage?
Hurricane season runs in the United States from June through October. According to statistics from the National Oceanic And Atmospheric Association, we see an average of 6 hurricanes and 12 named storms during the Hurricane season. To prepare for damaging hurricanes, you need the right insurance. Renters insurance or HO-4 insurance provides optimal protection for ... Read more
Does Flood Insurance Cover Contents?
Flood insurance can be purchased as an endorsement on a homeowners insurance policy as it’s not automatically included. This includes coverage for structural damage and personal property caused by floods. FEMA spearheads the National Flood Insurance Program (NFIP) that provides flood insurance coverage to all homeowners in the United States. This is the largest insurance ... Read more
Condo Earthquake Insurance
The structural components of your condo and the property within are covered by two types of policies: a master policy purchased by your condo association and the individual condo insurance that you choose to purchase. When you purchase a condo, your mortgage lender will require you to obtain a condo insurance policy that complements the ... Read more
Lender-Required Flood Insurance
Flooding can cause extensive damage to your home, so if you are purchasing a home in an area with a high risk of flood-related damage, your mortgage lender may require you to have a flood insurance policy before you can close on your new house. Why Your Lender May Require Flood Insurance When buying a ... Read more
Catastrophe Insurance
While standard home insurance policies include several different types of coverage to protect your home, they include lists of events that are excluded from coverage as well. If any damage occurs from one of these events, your insurance company will not accept any claims to provide financial protection or recompensation for the needed repairs. These ... Read more
Florida Wind Insurance & Wind Mitigation Program
Every Florida homeowner knows that the state is no stranger to high winds. Whether it is a hurricane, tropical storm, or weather front, Floridians deal with more than their fair share of wind-related incidents. This is why programs have been put into place to help residents to lower the risk of damage from both wind ... Read more
Does Homeowners Insurance Cover Mandatory Evacuation Costs?
Every family fears the daunting day in which their city or municipality declares a mandatory evacuation due to weather. Sadly, mandatory evacuations happen almost annually in certain regions of the US. In the event of a hurricane or a flood, people who are ordered to evacuate often have no nearby family to stay with, forcing ... Read more
Does Homeowners Insurance Cover Erosion?
If your property is damaged by heavy storms, you may want to know if your policy covers the damage sustained to your land. An extreme downpour can result in extensive erosion and damage to the topsoil on your property and require significant repairs to be undertaken. Unfortunately, many homeowners insurance policies will not cover this ... Read more
Excess Flood Insurance
If you’re considering homeownership or renting in an area where flooding is a common concern, you might have heard a lot about excess flood insurance and want to know if it’s something that you need for your home. There are certain areas of the United States that are particularly susceptible to home damage due to ... Read more
