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Natural Disaster Insurance
Plan for the unexpected
Coverage for natural hazards like floods and earthquakes—because most homeowner policies won’t help
Natural Disaster Insurance Options
Homeowner policies usually exclude damage caused by flood or earthquakes. If you live in a flood zone or an area that’s prone to earthquakes, consider adding flood or earthquake insurance to ensure that you can repair or rebuild if your home is severely damaged.
As extreme weather becomes more common, so do natural disasters, and that impacts homeowners across the country. Earthquakes are more common in many western states than in other parts of the U.S. If your home is at risk from these perils, it makes sense to protect your home and personal belongings with flood or earthquake coverage.
We work for you
At Global Insurance Brokers, we work for you—not for the insurance companies. We’re here to ensure you get the coverage that’s right for you. Our team will:
- Discuss your situation and provide personalized advice
- Help you identify the insurance policies that best meet your needs
- Find you that coverage at the best possible price
Flood & Earthquake Insurance FAQs
In some cases, your mortgage lender may require you to carry flood insurance. If this is the case, your lender will let you know before the loan closes. While earthquake may not be required by lenders, it can provide important coverage on your new purchase.
Your home’s location is usually the biggest factor in determining the cost of flood or earthquake insurance, because some areas have a higher risk of floods or earthquakes than others.
Here are some other factors that might affect your costs:
- The age of your home
- The number of floors in your home and whether you have a basement
- The framing and foundation materials used to build your home
Flood and earthquake insurance typically cover the following problems when they are caused by a flood or earthquake:
- Damage to the interior or exterior of your home
- Damage to your personal property
- Temporary housing if your home is uninhabitable
Most flood and earthquake policies have some exclusions, which you can discuss with your agent. In some cases, your homeowners insurance might cover some of those costs.
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