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Update Home Insurance & Cover Natural Disasters

Homeowners are taking too many risks with insurance coverage. According to a recent study by the National Association of Insurance Commissioners (NAIC), only a small percentage of homeowners plan for natural disasters when updating insurance plans. Approximately 4/5 homeowners are lacking sufficient insurance protection. Saving a couple of bucks today may cost a lot tomorrow. The Commission encourages all homeowners to consider updating insurance plans to include adequate coverage for natural disasters.

This past year, the nation watched as Houston and the Gulf states were struck by catastrophic flooding. In the Southwest, Northern Nevada was subject to catastrophic flooding as well. Many of the local homeowners found only too late their homeowners’ insurance policies lacked coverage for floods. In California, wildfires have ravaged the landscape leaving the door open for mudslides and erosion.

For most damages caused by natural disasters, additional insurance protection is required. The Commission’s survey found over half of homeowners were unfamiliar with their insurance policy. Between 2005 and 2015, natural disasters led to $24 billion in insurance claims. For those with protection, that’s a lot of savings.

Speak to an agent to review and update your homeowners’ insurance policy. In some cases, insurance coverage will have a mandatory waiting period before taking effect. Before disaster strikes, ask an agent about extra insurance protection for:

  • Earthquakes
  • Hurricanes
  • Flooding
  • Wildfires

A local agent will be familiar with other potential hazards specific to the area.

Additional questions to think about when updating a homeowners insurance policy include:

  • Were any changes or upgrades made to the home?
  • Has the number of home occupants changed?
  • Have any valuables been added to the home?

Matching homeowners insurance protection with the property protected will ensure compensation is swift and appropriate in case of a natural disaster.

Take steps to help keep home and property safe during a natural disaster. Always stay aware of local emergency warnings and follow official instructions for evacuation and disaster response.