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Why Do I Need Separate Flood/Earthquake Insurance?

  • February 27, 2020

Protecting Your Home From Floods and Earthquakes


When homeowners think of homeowners insurance in Thousand Oaks, CA, they think of it covering large destruction events such as theft, fire, and wind damage. However, many homeowners mistakenly believe that even with a great home insurance policy in hand, their properties are protected from every disaster. Quite simply, this is not the case. Most standard policies exclude flood and earthquake damages, meaning that if you want protection from these mass-destruction events, you’ll need separate coverage.


Which disasters does home insurance cover?

The list of perils will vary from policy to policy, but standard home insurance will cover:

  • Fire
  • Lightning
  • Windstorms
  • Explosions
  • Theft
  • Vandalism
  • And more.


Flood Insurance

Most flood insurance is offered through the National Flood Insurance Program. Though FEMA (Federal Emergency Management Agency), you can obtain flood insurance coverage, which helps you to recover when your home and belongings are damaged by flash floods, severe storms, and similar situations resulting in flooding. It covers direct physical loss from floods and from flood-related erosion, helping to better protect your property.


Earthquake Insurance

Each year, California generally gets two or three earthquakes large enough to cause moderate damage to structures (magnitude 5.5 and higher). Earthquakes can cause substantial damage to properties and roads, and there is no real way to safeguard your home from such an event. Even so, you can be prepared for the aftermath. Earthquake insurance provides coverage if your home is damaged by an earthquake. Since standard home insurance policies often exclude earthquake damage, having a separate policy is fundamental in protecting your house and belongings after a disaster.


Talk to your insurer to understand more about flood and earthquake insurance policies. At Falsken & Associates Insurance Agency, we help homeowners find the insurance coverage they need and deserve. Contact us today to get started on your tailored policy.