If you’re staying in a seismic zone, you risk the possibility of your home being damaged by an earthquake. With so many natural disasters occurring across the United States every year and many of them occurring in Seismic Zones that can cause major damage to your home and family (Floods; Fires and Tornadoes) the correct type of homeowner’s policy can be very confusing to understand let alone find an agent that knows the ins and outs of these policies to make the right choice for your family or business …..it can definitely be a confusing process to try and pick the right home insurance policy for your unique needs as a homeowner/business owner. Specially because a standard policy will not pay for damage caused by a flood, earthquake or routine wear and tear.
Therefore it is imperative if you fall into one of these categories to find a policy that covers the damages that can occur in the event of a disaster strikes your area in order for you to be fully protected vs. simply having a standard “named perils” coverage on your 1 million dollar home with just the structure covered against fire and hail storms but no coverage for everything else.
This is common for most insurance companies when selling a policy like these because your rates are based largely on your location and the insurance markets they cater to which is usually but not limited to either a large metro area or large rural farming community. As you can see, this can create a huge problem for you as a consumer when trying to pick a homeowners insurance product for your specific household needs. Let’s face it- every family has unique needs and knowing who to pick for your home insurance coverage can seem difficult without guidance. That’s why it is highly recommend that you speak with a trusted independent agent in your area to best understand what is available to be purchased to protect your family and business within your region and beyond as well as any additional protection that could be offered beyond basic needs. We also suggest visiting lmrpublicadjusters.com to see how insurance companies take care of claims.
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