Owning a home is a major responsibility— one that you must be prepared for in more ways than one. We believe that every homeowner needs insurance, as you never when an unexpected event or disaster can strike.
In today’s post, we’re going to discuss two types of home insurance: homeowner’s and earthquake insurance, and the reasons why you need both in Southern California.
Why You Need Homeowner’s Insurance
Depending on your mortgage lender, homeowner’s insurance may be required. This is to ensure that your home is protected in the event of damage or theft.
Homeowner’s insurance does more than protect your home. Depending on the policy, items like furniture and electronics may be covered for theft. If you or a family member accidentally injured someone or damaged their property, liability coverage can cover the damages. If you can’t stay in the home after a fire or some other major disaster, homeowner’s insurance can provide temporary living costs (like a hotel, food, etc.).
Why You Need Earthquake Insurance
The average homeowner’s insurance policy may not cover earthquakes. Because Southern California is notoriously susceptible to damaging earthquakes, you shouldn’t hesitate to add an earthquake insurance plan in the event of a disaster.
Whether you’re buying a new home, need to refinance, or simply want to review your options, Kelly Williams Insurance is here to help you select the plan that’s best for you.