Disasters & Home Insurance Pasadena CA

24 June 2015 Category: Article Archives

Disasters & Home Insurance: Which Are Covered?

Understanding Your Pasadena, CA Home Insurance & Disaster Coverage

You have taken the time to secure home insurance to protect one of your biggest investments and the belongings you store in it. Unfortunately, many people know that their home insurance protects them somehow, but are not familiar with the details.

So you can know exactly when your coverage will step in to protect you, here is a quick look at covered disasters with your Pasadena, CA home insurance.

Fire, lightning, windstorm, hail, explosion, riot, smoke, vandalism, theft, volcanic eruption, and damage caused by aircraft and vehicles are all covered in standard home insurance policies. Most will also include coverage for falling objects; the weight of ice or snow; water overflow from your plumbing, heating, or other major systems; freezing of those systems; and damage from an artificially generated electrical current.

As important as it is for you to know the disasters covered by insurance, it is also crucial you know where your existing policies are not protecting you. Specifically, your home insurance excludes coverage for:

  • Floods: To be covered against floods, you need to get a separate policy. There is a 30-day waiting period for flood policies to take effect, so do not wait until the waters start to rise to get covered.
  • Earthquakes: Again, you will need to take out a separate policy to protect your home and its contents against the ground’s shaking.
  • Sewer Back Up: Neither your sewer’s backup nor your sump pump’s failure to handle water from rain or runoff is covered by standard home insurance policies.

You do not have to figure out exactly where you are covered on your own. To connect with experts who can help you get the right policies to be fully protected, contact Massive Insurance. Serving Pasadena and the surrounding California area, we can help you get peace of mind. For home insurance and more, call us today!