Your home is likely one of the most significant investments you’ll ever make, and protecting it with the right homeowners insurance in California is essential for safeguarding your financial security. However, it’s important to understand that not all risks are covered under a standard policy. In California, where residents face a diverse range of potential hazards, knowing what types of coverage are typically not included is crucial for ensuring comprehensive protection. When shopping for homeowners insurance, it’s wise to talk to an expert home insurance advisor to understand the types of coverage you’re being offered.

Here are certain types of coverage that are typically not included in homeowners insurance policies:

Earthquake Insurance

Living in California means living with the constant threat of earthquakes. However, many homeowners are surprised to learn that earthquake damage is typically not covered under a standard homeowners insurance policy. Given the seismic activity in the region, investing in separate earthquake insurance is essential for protecting your home and belongings from the devastating effects of a quake.

How much is earthquake insurance? Reach out to NHC Insurance Services to talk to a home insurance advisor and find the best coverage at the lowest prices.

Flood Insurance: Consult with an Expert Home Insurance Advisor

While California is known for its sunny weather, the state is not immune to flooding, especially in low-lying areas or regions prone to heavy rainfall. Unfortunately, flood damage is generally not covered by homeowners insurance in California. To protect your home from flood-related losses, you’ll need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.

Landslide Insurance

California’s rugged terrain and steep slopes make it susceptible to landslides, especially after heavy rains or seismic activity. Unfortunately, landslide damage is often excluded from homeowners insurance policies. To mitigate the financial risk associated with landslides, homeowners may need to purchase specialized landslide insurance or consider additional coverage options.

A Home Insurance Advisor for Optimal Homeowners Insurance Coverage in California

While homeowners insurance provides valuable protection against many risks, it’s important to recognize that certain hazards may require additional, specialized coverage. At NHC Insurance Services, we understand the diverse needs of Californians and offer a range of insurance solutions tailored to protect against the state’s specific risks. We can help you understand the coverage you need, and answer any questions you may have like, “How much is my earthquake insurance?” or “Can I add flood insurance to my existing policy?”

Contact us to learn more.