Disasters That Are Covered By Home Insurance Plan

​There are severe situations that can be very costly to fix out-of-pocket. Some of these circumstances include lost items from robbery, property damage due to a fire, etc. In the United States, calamities can happen. Most families prioritize to buy an insurance plan to secure their lives. But, can all “acts of God” be covered by a home insurance premium? This article will give you additional knowledge about insuring your property.

​Acts of God
In general, catastrophic happenings with atmospheric, hydrological, and geological origins that can lead to damage and mortality may not be all covered by a basic home insurance premium, especially if you stay in a high-risk environment. There are various “acts of God.” Checking whether the policy covers natural disasters is critical before purchasing it. 

The following are natural disasters that can be covered by a home insurance premium:

Flooding Area
Not all sources of flooding — coastal surges, rivers, sinkholes, and the like — are treated in the same manner. Most policies exclude flood-related destruction, except for cases linked to flooding from a damaged plumbing system. Most premiums cover leaking pipes. Take note that flooding resulted by wind damage like a hurricane or a surging storm is not included. A particular flood protection policy can be requested if you are in an area where floods are frequent.

Earthquake
The location of your house is the basis of the cost of earthquake insurance. Insurers also consider the materials used for the structure. With this, policyholders have the option to choose the level of coverage. Typically, those areas sitting near earthquake fault are eligible to acquire inexpensive premiums. But, if you live in a place not known for seismic activity, you can opt to have supplemental earthquake insurance.

Volcanic Eruption
Homeowner’s insurance plan covers volcanic eruption. It’s commonly available in areas like Hawaii where volcanoes are most dangerous right now.  The standard policy takes care of damages linked to dust, ash, particles, tremors, and lava flow. The premium covers the first elimination of these materials. But, injuries caused by the wind like landslides or ash deposits may not be covered by the plan.

One More Thing Before You Go
To effectively navigate issues involving home ownership, a qualified real estate lawyer can significantly help you. Your home is one of your best investments in life so assure it by buying a home insurance plan for a better future. 

At Klamath Insurance Center, Inc, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (541) 882-5555 or Click Here to request a free quote.