Earthquakes, Mudslides and Floods – Which does your Homeowners Insurance Cover?

Earthquakes, Mudslides and Floods – Which does your Homeowners Insurance Cover?

The answer to this is – NONE!

Standard Homeowners policies never cover Flood or Mudslides, and these coverage’s can’t be added on. A separate flood policy must be taken out to cover a Flood or Mudflow but not a Mudslide. Since is it difficult during a severe storm how much damage is from Flooding, Mudflow or Mudslide, it is best to get a Flood Policy and Mudslide Policy (if you are in an area prone to mudslides).

Earthquake is one of the few disasters that you may be able to request to be added to your Homeowner’s insurance policy but this is not always the case.

When in doubt, contact your agent for more details.

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Posted on December 14, 2012, in Uncategorized. Bookmark the permalink. Leave a comment.

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