Are you Covered?

Help yourself be better protected and educated, READ YOUR POLICY! Don’t have a copy handy? Call your insurance provider and request a copy. Read over the policy packet and you will see in large bold lettering (most of the time) that specific perils will not be covered. It doesn’t help you if you “assume“ something is covered and then it’s not. You are creating more of a headache and disappointment in the long run by not being proactive.

Most insurance companies do offer an Earthquake & Sinkhole Endorsement that can be added separately onto the policy for an additional premium. When determining if this coverage is something you might need always keep in mind your property's geography, region of the country you live in, & the cost associated with the coverage compared to the amount that would be paid out in the event of a claim. Also, remember that if you do not add the endorsements to the policy there will be no coverage for an earthquake or sinkhole.

In regards to flood & landslide (including mudslide) coverage an entirely separate Flood Insurance policy would have to be written. This means you would have to pay your homeowner premium plus a flood policy premium each year. No homeowner policy will cover flooding or landslides. A Flood policy would provide coverage for outside water coming into the residence. However, depending on the policy it may or may not cover landslides, always ask. Most policies will only cover a landslide if carried by a river or body of water. If you are unsure about what would be covered always ask your agent as each policy can be unique.

Mother Nature is unpredictable & can wreak havoc throughout a community in minutes. Selecting to carry additional coverage allows you to rest a little easier knowing you will not be left with nothing in the event a covered loss does occur. If you are interested in getting a quote please give us a call at 423-472-1744.