Summit Insurance Advisors
by Michael Harbron on Nov 29, 2018
In case you haven’t heard the news, homeowners across California are feeling the heat as wildfires continue to wreak havoc on the southern and middle parts of the state. With major storms like Hurricane Harvey still in recent memory, natural disasters seem to be happening more frequently and with greater intensity. Regardless of where you live, it might be time to think about protecting your home from natural disasters and wildfires. After all, you never know when a gust of wind could push a blaze of fire towards your home. Even places like Arizona could be harm’s way in the years to come. Learn more about how you can protect your property from natural disasters with homeowner’s insurance.
How to Protect Your Property from Wildfires and Natural Disasters
If you want to protect your property from wildfires and other natural disasters like flooding, hurricanes, and earthquakes, this type of coverage usually falls under the category of homeowner’s insurance. While you may already have a homeowner’s insurance policy, not every policy is the same. Many policies will exclude certain types of damage caused by natural disasters such as flooding, fire damage, and other issues like falling trees.
This means you need to do your homework to make sure your homeowner’s insurance policy is up to your standards. Look through your current policy and look for information in terms of what’s covered and what’s not. If you don’t have a homeowner’s insurance policy, you can easily find a company that offers. Talk to a customer service representative about your concerns for your property and they’ll help you find the right policy for your unique situation.
The type of coverage you buy all depends on where you live and kinds of threats you may face. If you’re living in an area without a lot of shrubbery or trees, you might not have to worry about damage caused by wildfires. If your home is in a valley or near a ravine, you might want to think about investing in flood insurance instead.
What to Look for in a Homeowner’s Insurance Policy
Here are some additional factors to keep in mind when shopping for homeowner’s insurance in Arizona:
If your home is damaged during a natural disaster, you might need to live elsewhere for a while. Make sure your policy covers things like meals and hotels during this period of adjustment.
Natural disasters can also pave the way for a spike in vandalism. Many homes will be vacant or less than secure during the aftermath of a fire or storm, so make sure your policy protects against different types of vandalism such as robbery or defacement.
Many homeowner’s policies will only cover the damage under certain circumstances. It’s easy to get lost in the weeds when reading through the details, but you should have a firm understanding of your policy’s exclusions and how they might apply to your situation.
Natural disasters aren’t going anywhere any time soon, so start shopping for atoday!
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