Floods, Earthquakes & Mudslides


Sitting in your home right now do you feel confident with your level of insurance coverage?

Here are some common dangers that usually are not covered under traditional homeowner’s insurance policy that you may want to consider:

Floods: For insurance purposes a flood is considered temporary extra water on land that is usually dry. Flood insurance is a separate policy issued by the National Flood Insurance Program or NFIP. Flood insurance is only required if the property is located in a flood plain. You can also learn more about preparing for a flood plus other helpful information.

Earthquakes: Most people don’t realize just how many fault lines exist across the U.S. You can add earthquake insurance with a separate policy or as an endorsement to a current homeowner policy.

Mudslides: Coverage for mudslides usually is not covered under your homeowner’s policy. It probably isn’t even something you would think about. But, depending on where you live, mudslides could be an annual threat. For that reason, it is important to understand your coverage and be careful not to get "mudflow" and "mudslide" mixed up. Flood insurance will cover mudflow but not a mudslide. Sometimes it's complicated to determine how much of your home was hit by a mudflow and/or a mudslide so having protection for both (getting flood insurance and mudslide insurance) may be the best way to cover any gaps.

Having a policy for a catastrophic event may not be uppermost on your mind. But, it is definitely worth discussing with your insurance agent who can help you make a decision on what makes sense for your home.

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Importance of Annual Insurance Reviews.

Most people know the importance of insurance protection. You don't want to be without it when problems arise. What many don't realize, however, is that protecting themselves with insurance isn't a once and done event. You don't wear the same pants you did when you were five years old because, besides no longer being in style, they simply don't fit. A homeowner's insurance policy purchased when your house was furnished with bean bag chairs and bar stools is no longer going to "fit" once you're lounging on Italian leather sofas while watching television on your wall mounted plasma screen. Life is constantly changing, and your insurance policies should reflect that.

Freedom of Choice.

Captive agents and direct writers provide you with just one company’s insurance products, but an independent insurance agent can provide you with options from multiple insurance companies. This allows your independent agent to review offerings from different companies — many of which are only available to you through independent agents — and help you find an insurance provider that best fits your mix of coverage, price, and service needs.

Independent Agents representing YOU.

An independent insurance agent is authorized to sell several companies’ insurance products, but ultimately your agent represents you — not those companies. That means you have someone on your side and ready to ‘go to bat’ for you in the event of an insurance question or dispute. It also means you have a person who is regularly looking out for your insurance needs – which may change over time, and who can find a new insurance provider for you if your current provider is no longer the best fit.