Coverage Gaps in Standard Homeowners Insurance
Many homeowners mistakenly believe that their standard home insurance policy covers natural disasters such as earthquakes and floods. However, typical policies do not include damage caused by these events. To protect your property from these risks, special earthquake and flood insurance policies must be purchased separately.
Understanding Local Risks
Southwest Washington is uniquely positioned with several geographical hazards. The proximity to Mount St. Helens poses significant volcanic threats, while the Cowlitz River area is susceptible to flooding, especially during the heavy rains typical of our region. Historic events have shown that these natural phenomena can have devastating impacts on local communities in Lewis County, making additional insurance a prudent consideration.
When to Consider Additional Coverage
Homeowners should consider the following factors to determine if they should acquire earthquake or flood insurance:
- Proximity to known flood zones or earthquake fault lines.
- Previous local history of natural disasters.
- Updates to home structure that might increase exposure, like new additions.
- Personal risk tolerance and financial preparedness for disaster recovery.
Adding these coverages can provide peace of mind, knowing that your home is safeguarded against these unpredictable forces of nature.
Requesting a Quote or More Information
To understand the costs and benefits of adding earthquake or flood insurance to your home protection plan, contact a local auto insurance agent like Phillipps Insurance Group. Our team is well-versed in the specific needs of Washington homeowners and can tailor a policy that fits your unique circumstances. If you're interested in learning more or obtaining a custom quote, we invite you to call us at Phillipps Insurance Group or request a quote online. We're here to help you find the most affordable solutions to protect your home and family from nature's uncertainties.
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