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Homeowners Insurance against Flood and Earthquake

Basic homeowners insurance policies do not usually cover damages to your home and property due to flood or earthquake. Homeowners insurance companies usually provide additional earthquake and flood endorsement to your homeowners insurance. A safer way is to find out beforehand what your homeowners insurance policy includes.

Floods and earthquakes are more likely to happen in certain areas but special homeowners insurance policies that cover damage from water usually include coverage from hurricanes, stream, etc. Recently the weather has become unexpected and hurricanes and floods become normal in areas that were considered absolutely safe several years above.

Basic homeowners insurance policies exclude coverage against flood, any streams, waves and other damage caused by water.
The first homeowners insurance policy available was National flood Insurance program (NFIP) proposed by the Federal Government in 1968.

National Flood Insurance program is valid till now. National flood insurance program is often provided together with other types of homeowners insurance to protect you house and belongings against any damage connected with water. National Flood Insurance program gives coverage against floods, hurricanes, rivers, waves.

Remember to ask homeowners insurance companies whether the damage caused by broken pipes and fire-hoses is covered. Basic homeowners insurance policies do include the coverage specified above.

Earthquake is another natural disaster that may occur unexpectedly and ruin your house. If you live in an earthquake hazard area homeowners insurance policies become a must otherwise you may loose everything. Areas along the Pacific Coast are very likely to suffer from earthquake.

Consider buying earthquake homeowners insurance policies if you live in the 18 states that experience major earthquake destruction:
Alaska
Calisfornia
New York
Maine
Mississippi
Montana
Missouri
New Hampshire
Hawaii, etc

Every year people loss thousands of dollars just because they are unaware that their homeowners insurance policies do not include coverage against floods and earthquake. Find out whether your homeowners insurance companies can provide you separate earthquake and flood homeowners insurance. Do not wait till natural disasters ruin your home. Gain peace of mind with earthquake and flood homeowners insurance.