San Francisco, CA, is no stranger to natural disasters. Earthquakes and fires are common occurrences, and tsunamis remain a potential threat. Understanding which of these perils are covered by a home insurance policy can help you protect your house and belongings from potentially devastating losses.

Which Disasters Are Covered by Home Insurance?

Coverage for natural disasters varies depending on your policy. However, earthquakes are typically not covered under standard home insurance policies. Additionally, secondary disasters caused by earthquakes, such as fires or flooding, are also excluded. For example, while fires are usually covered by home insurance, they won’t be covered if they are directly caused by an earthquake. Similarly, flooding and tsunamis are not covered under most standard policies.

How to Find Good Natural Disaster Coverage

If you want protection against natural disasters, you’ll need to purchase a separate natural disaster insurance policy or add a natural disaster rider to your existing home insurance policy. It’s important to read the policy carefully to understand what is and isn’t covered, as well as the compensation limits. This knowledge can help you avoid unpleasant surprises after a disaster.

If you run a business from home, ensure that your business assets and inventory stored at home are covered under a commercial natural disaster policy. Personal policies that cover your house and personal belongings won’t extend coverage to items related to your home-based business.

Need More Information? Biddle-Shaw Insurance Services Inc. Is Here to Help

Biddle-Shaw Insurance Services Inc. takes pride in helping San Francisco, CA, homeowners explore home and disaster insurance options to find the coverage that best meets their needs. Call us today to learn more about our natural disaster policies and policy riders. We’ll work with you to ensure you get the best deal at the most competitive price.