California is without doubt a stunning part of the world, yet all of our natural beauty does not come without drawbacks. Floods, wildfires and earthquakes are just a few natural disasters that have frequented this area of the world in years gone by. If you are looking to move to California, it’s essential to be clear on policy inclusions for general home, earthquake and flood insurance.
Do you keep hazardous chemicals in your home? Many California residents
harbor a variety of potentially harmful substances including weed
killers, cleaning products and paint. In the event of a flood or other
disaster it is possible that these hazardous chemicals could escape into
our waterways or cause a fire if they are not stored correctly.
California is home to a number of different industries and occupations
including computing, manufacturing and the film industry. No matter what
industry you are in having commercial liability insurance to protect
your business and your customers is essential. It may be tempting to try
to save costs by skimping on coverage but there are a few ways you can
save money on your commercial liability insurance without having to
forgo essential coverage.
Healthcare costs typically continue to rise in the U.S. and one of the
best things Americans can do to positively impact their healthcare costs
is likely to be to take better care of themselves by making healthy
changes in their lifestyles. Fewer insurance claims for medical care may
mean fewer co-pays and lower deductibles, which may save you money in
the long term.
California is a state that is generally considered prone to flooding.
Your exact flood risk will depend on your location but no matter where
in the state you are, it is probably worth your while to take a few
precautions around your home to reduce the risk of sustaining severe
damage in the event of a flood. Obtaining flood insurance is a good
place to start. Flood damage is not covered under general home insurance
policies so it is essential that you purchase flood insurance
The combination of severe summer rains and hard sun baked ground can
increase the risk of flash flooding at this time of year. Although flash
floods are notoriously unpredictable there are a few things you can do
to help prepare yourself, starting with taking out flood insurance to
cover you for the costs of rebuilding and repairing your home after a
When you work or run a business from home having commercial liability
insurance in California may seem unnecessary. When you don’t have
customers or clients visiting your business premises you might assume
you are not at risk of liability issues but this is often not the case.
Taking care of your pets is a big responsibility at the best of times,
but what do you do with them when disaster strikes? When a flood is
imminent, it can be easy to panic. Hopefully, your California flood insurance
will take care of the cost of repairing or rebuilding your home, but it
won’t bring back your furry friends if something happens to them.
Most people are aware that an earthquake can cause devastating damage to
their home and contents, but there is another often overlooked effect
of earthquakes. A quake can damage dams and levees and cause serious
flooding, particularly to low lying homes and properties. Making sure
you have California flood insurance may help you cover your losses if you should be the victim of a flood after an earthquake.
California flood insurance
may help protect you from costs associated with flood-related water
damage to your home, but the best case scenario is to take water damage
prevention into your own hands to help mitigate the destruction a flood