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Analyzing your
home
Many factors go
into determining the premiums for a homeowners policy. The age of
your home, the materials used to build it, where it’s located, the
square footage, and the number of rooms all play a role.
How do you heat
your home? What’s the overall condition of the house? How many
people live in your home? How close is your home to the nearest
fire station and fire hydrant? The answers to these questions also
help determine how much you’ll pay for your homeowners policy.
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.
Do I need to buy
flood insurance?
If you want your belongings covered against damages caused by a
flood, the answer is yes. Basic homeowners 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.
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