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Why Do I Need Separate Flood/Earthquake Insurance?

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Why Do I Need Separate Flood/Earthquake Insurance?

Additional Coverage for Floods and Earthquakes


We’d like to believe that disasters caused by floods and earthquakes are rare. However, over the past few years, we’ve seen that these events are happening on a more frequent and larger scale. If you were to fall victim to a natural disaster, do you know how you could pay for damages? Most homeowners, naturally, would turn to their homeowners insurance in Banning, CA. What many don’t realize is that standard home coverage does not provide protection for floods and earthquakes because they are considered mass-destruction events.


What disasters are covered by home insurance?
Although individual policies will vary, standard home insurance covers a range of potential hazards and disasters, including:

  • Fire
  • Lightning
  • Windstorms and hail
  • Smoke damage
  • Explosions
  • Vandalism or malicious mischief
  • Damage caused by an aircraft or vehicles
  • Theft


Keep in mind that home insurance does not often cover flood damage, earthquakes, sewer backups, or maintenance repairs.


Flood Insurance

Most flood insurance is administered under the Federal Emergency Management Agency (FEMA). Homeowners and renters are able to purchase flood insurance policies through insures under contract with FEMA. This coverage then protects your home and belongings, helping you to get back on your feet after a flood from flash floods, severe storms, and similar situations. Even if you don’t live in a high-risk flood zone, it’s important to note that every location has a risk of flooding.


Earthquake Insurance

Homeowners and renters insurance policies won’t cover damage caused by earthquakes, however, they may cover losses from a fire following the movement of the earth. Earthquake insurance is designed to protect your home and belongings if they are damaged in an earthquake. If you are located near a fault line, it’s extremely important to consider this coverage.


Is your home protection ready for the worst? For all of your homeowners insurance needs, talk to the professionals at Little & Sons Insurance Services, serving Banning and neighboring cities in California.


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