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California? Looking for information on good Californian home
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Do I need to buy
flood insurance?
If you want your belongings covered against damages caused by a
flood, the answer is yes. Basic home owner insurance policies do not
cover damage from flooding. Because flood damage happens so
infrequently, most insurance companies won't even consider writing
flood coverage. The National Flood Insurance Program (NFIP)
underwrites the overwhelming majority of flood policies in the United
States.
While most people should at least think about getting flood
insurance, it is true that some people need it more than others.
I live in California.
Where can I get earthquake insurance?
Your
options for earthquake insurance in California
will depend on where you live, your claims history, and the
condition your house is in. The California Earthquake Authority (CEA)
will sell bare bones coverage to anyone whose home doesn't have
pre-existing earthquake damage. There are also a number of companies
that offer earthquake coverage independent of the CEA.  |
