Natural Disasters and Home Insurance: What You Need to Know?

When it comes to protecting your home, the team at Gambino & Wasson Insurance Brokers, Inc., located in beautiful Tustin, CA, understands that it’s more than just bricks and mortar you are protecting – it’s your safe haven and holds a lifetime of memories. A key part of this protection comes down to understanding what your home insurance covers, particularly in the event of a natural disaster.

Home Insurance and Natural Disasters

Dependent on your policy, home insurance may cover some natural disasters, such as storms, fires and hail. However, it’s critical to note that not all perils are covered. Many insurers often exclude certain widespread disasters such as earthquakes or floods from traditional home insurance policies.

Additional Coverage Options

If you find that your policy doesn’t include specific natural disasters, particularly those your locale is prone to, you might want to consider additional coverage known as riders or endorsements. For instance, those in earthquake-prone zones may opt for earthquake insurance, while homeowners in flood-prone areas may look toward a separate flood insurance policy.

At Gambino & Wasson Insurance Brokers, Inc. in Tustin, CA, we believe insurance should never be a ‘one size fits all’ model. Thus, understanding natural disasters and your home insurance is vital to ensuring your home is adequately protected. We stand ready to review your existing policy and recommend enhancements to give you that all-important peace of mind.

Contact Gambino & Wasson Insurance Brokers, Inc.

To fully protect your home, it’s essential to know exactly what your current insurance policy covers. Don’t wait until the unexpected happens, talk to an expert to review your coverage and safeguard one of your most critical investments from all forms of natural disasters.