A natural disaster can damage a home’s structure and valuable personal belongings. Home insurance will cover the damage from some of these disasters but not all. Citizens of Auburn, WA should be aware of what a policy does and doesn’t include in order to procure sufficient coverage for their house and personal items.
Natural Disasters and Home Insurance Coverage
Generally speaking, home insurance covers damage caused by storms, tornadoes, explosions, fires, and extreme cold. Hurricanes, floods, and earthquakes, on the other hand, aren’t covered under a typical home insurance policy. As Auburn, WA, is at high risk of earthquake damage and flooding is also a possibility, homeowners in the area will want to purchase coverage for these two natural disasters.
All forms of coverage will provide compensation for damage to the house and personal belongings. You may also be able to claim reimbursement for hotel bills if you can’t stay in your home while it’s being repaired. However, your insurance policies won’t cover exterior structures on your property, such as a detached garage, gazebo, pool, or fence, unless you’ve specifically purchased coverage for exterior structures. Insurance also won’t cover any vehicles on your property or personal belongings stored in the vehicles. You’ll need comprehensive auto insurance or an umbrella insurance policy for these.
Contact Alpine Ridge Insurance for Great Coverage Options
A home is a valuable asset that you’ll want to protect as much as possible. At Alpine Ridge Insurance, we offer the personalized advice and assistance you need to purchase the policies that offer maximum protection for your home and belongings. Get in touch with us to find out more about your options or to get a quote on the policy of your choice.
