Flood & Earthquake Coverage
Standalone catastrophic coverage protecting your home from the earth movement and flood perils explicitly excluded from standard policies.
Operational Risk Profile
Standard homeowners and landlord policies contain absolute exclusions for various perils, most notably ground-water flooding and earth movement. The primary risk is a total, uninsured financial catastrophe. Just one inch of floodwater can cause $25,000 in damage, and without the proper coverage in place—whether through a dedicated carrier endorsement or a standalone policy—you bear 100% of the financial burden for rebuilding and replacing your property.
Core Coverage Considerations
While every property has a unique geographic risk profile, a foundational risk management strategy typically includes the following core coverages.
Flood Coverage (Endorsed or Standalone)
Covers damage to your home’s foundation, electrical systems, and interior property caused by storm surges, overflowing rivers, and heavy rain runoff.
Earthquake Coverage
Protects the structural integrity of your home against catastrophic seismic events, covering cracked foundations and collapsed walls.
Excess Flood Liability
For high-value homes, provides additional coverage limits above the standard $250,000 National Flood Insurance Program (NFIP) maximum.
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