Flood & Earthquake Insurance
What is Flood Insurance?
Flood Insurance is a form of insurance that can help cover damages and losses directly due to flooding. Flood Insurance is usually a separate policy designed to protect your home and belongings in a flood.
There are two basic types of coverage in Flood Insurance:
- Building Property Coverage: This may provide coverage for the physical structure of your home and its foundation, plumbing system, electrical system, central air and heating systems, cabinetry, and detached garage.
- Personal Contents Coverage: This may provide coverage for your personal belongings such as your clothing, furniture, electronics, some portable appliances, freezers with food, and certain valuables up to a specified amount.
It is important to remember that flood is not the only potential source of water damage to a home. Therefore, it is very crucial to understand the limits of homeowners insurance, and understand the benefits that can come with flood insurance.
What is Earthquake Insurance?
Earthquake Insurance is a form of property insurance that can help cover damages that occur during the event of an earthquake. Most homeowners insurance policies do not cover earthquake damage, so an additional policy is often needed.
Earthquake Insurance may help cover the following expenses in the event of an earthquake:
Earthquake Insurance may help cover the following expenses in the event of an earthquake:
- Structural Repairs
- Rebuilding Your House
- Paying for Temporary Housing
- Replacing Personal Property
The cost of Earthquake Insurance varies greatly based on your area’s level of risk for earthquakes. The best way to decide if you would like to insure your home against earthquakes is to have a free, no-obligation, consultation with us. Please fill out the following form to get your quote and conversation started today!
What does our agency have to offer?
John R Carpenter Insurance Agency has been supplying reliable insurance solutions since 1954. We have established contracts with multiple carriers. This gives us the opportunity to shop your policies to ensure you are being provided the best options available.
