Types of Personal Insurance You Might Not Realize You Need

Certain types of personal insurance might seem like a given with standard coverage— like flood or earthquake insurance. Still, the unfortunate reality is that you might not be covered for specific events, even if you’re paying for more than standard coverage.

Here’s why you might need to opt for specialized insurance:

Flood Insurance

Certain forms of insurance are especially important in California. Climate change has altered weather patterns, sea levels and water temperature— all of which can contribute to an increase in unprecedented flooding.

Unfortunately, standard homeowners insurance does not typically cover flooding, which is why it’s important to protect your home and belongings in the event of such an occurrence. Flood insurance protects two types of insurable property: building and contents. You’ll want to talk to your insurer about the best type of coverage for your location, needs and budget.

Earthquake Insurance

Just like with flooding, earthquake coverage is typically not included in a standard insurance policy. If you live in California, you know that it’s only a matter of time before we’re hit with another large-scale, damaging earthquake— you’ll want to be protected when it happens.

Your earthquake policy will cover the cost of rebuilding your home, the contents inside your home and can even pay to have you re-housed during the repair process. There are several factors you’ll want to consider before purchasing earthquake insurance: does the policy cover other detached surfaces, such as the pool, garage or gazebo? Are there any exclusions or limitations to coverage? You might find it best to discuss your specific needs with your insurer or agent.

Work with Top-Rated South Bay Insurance Services

Located in the South Bay but operating throughout the state, NHC’s California agency insurance services can help create a personalized coverage package based solely on your needs and budget.

Whether you’re looking for earthquake, flood insurance or another specialized form of coverage, we can help find the best packages for minimal cost.