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Today we’ll talk about protecting your home with homeowner’s insurance and flood insurance. I want to make sure you have the right coverage for homeowner’s insurance and flood insurance, due to all the flash flood warnings we’ve had in Northern California recently.
Thanks to an “impending El Nińo,” I’ve brought in State Farm insurance expert Debbie Johnson to answer some questions about how floods affect insurance policies.
- Flooding is not covered in your homeowner’s insurance policy. If a pipe bursts and floods your home you would be covered, but damage from a rainstorm or water collected from a rainstorm would be covered by flood insurance.
- Generally, homeowner’s policies cover fire, theft and vandalism. Costs incurred for rebuilding, restoration and replacing your property due to fire is covered, or if someone was to break into your home. These are covered after paying your deductible.
- We like to meet with our customers once a year to ensure your coverages and policy are right for you. We go over coverages and check in to see if any changes like a kitchen remodel are reflected on your homeowner’s insurance policy.
Of course, there’s plenty of other factors and scenarios that can affect your coverage. I’d be happy to answer any insurance questions or any real estate questions you may have, just reach out with a phone call or an email. No obligation!
