A standard homeowners policy is designed to cover damage caused to your home and its belongings due to a covered peril, such as theft, storm, fire, etc. Although this policy will provide much of the coverage you need, it is far from complete, especially when you live in a high-risk zone.
Earthquake, Hurricane, and Flood Coverage
Earthquakes, hurricanes, and floods are specific types of perils that only occur in certain areas. Because of the limited areas where they may strike, most standard homeowners policies don’t cover them. Instead, you need to apply for endorsements or an […]