When purchasing California home insurance and associated policies many residents plan for only the common disasters such as earthquakes and flooding. In 2010, the entire state of California only had 9 tornadoes according to the NCDC. Because of their rarity, does that mean tornado coverage is not a necessity? Consider the damage caused by just one of the twisters that occurred in 2010.
Homeowners insurance coverage can vary based on the specific policy you have and the insurance provider you’re using. In California, the primary concern for homeowners isn’t typically hurricanes, but rather wildfires and earthquakes. Standard homeowners insurance policies in California may not automatically include coverage for hurricane damage, as hurricanes are more common in regions along the Atlantic and Gulf coasts.
If you’re concerned about coverage for hurricane-related damage, you should review your homeowners insurance policy or contact your insurance provider to understand the specifics of your coverage. If you’re in an area where hurricanes are not common, it’s possible that you might need to purchase additional coverage or a separate policy to protect against hurricane damage.
Remember that insurance policies can vary widely, so it’s crucial to read and understand your policy documentation and consult your insurance agent for precise information about what is covered and what is not.
In the current economy, few people are willing to take on additional expenses. Before you decide against adding tornado coverage onto your California home insurance, consider the cost of the repairs you could face if a twister damaged your home. Could you cover it on your own?
We recommend contacting your agent to verify if your policy includes coverage for Hurricane or Tornadoes, don’t make assumptions!
For a free quote on home insurnace call 877-898-9333
