Know If Your Home Insurance Covers Natural Disasters

There are numerous things that can damage your home and homeowners insurance is intended to protect you from all sorts of accidents, whether they be natural disasters or something like theft or break-ins. a small house in the background

Generally, these things are protected under homeowners insurance, you need to know the specifics just to be sure. Here are the general types of coverage:

Personal property loss: This is general coverage that protects any property that is damaged, stolen or lost up to your policy limit. If you have any especially valuable property (antiques, artwork, etc.) that might need more coverage.
Property damage: This covers damage to your actual home and nearby structures like a shed in your backyard. This is another form of coverage that protects up to your policy limit.

Added living costs: House gets flooded? Bad fire? This coverage helps cover the costs of temporary housing if you can’t live in your home for an extended amount of time.
Personal liability: If something happens to a visitor and/or their property inside your own home, this helps cover the costs for repair, medical costs or legal fees.

Floods and earthquakes usually require their own separate policies but general homeowners insurance will help protect what you care about most for the most common accidents. Thefts, fires and other accidents can strike at any time and without any warning.

These unpredictable occurrences can put a dent in your personal finances. Don’t let it happen to you. Call an agent today and we can help make sure you have the right coverage for your home. We won’t leave you feeling helpless.

Have the peace of mind of being protected. Call RCU Insurance Services at (707) 576-5115 for more information on Santa Rosa homeowners insurance.