flooding in a house

Why Do I Need Separate Flood/Earthquake Insurance?

By Hoffman Brown Insurance | | No Comments
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Why Homeowners Should Consider Getting Additional Property Coverage


A number of disasters are covered by your homeowners insurance. However, every policy has its limits. Most standard homeowners insurance policies exclude flood and earthquake damage because they are considered mass-destruction events. Did you know that if you live in a flood zone or an area prone to earthquakes you will need to purchase separate flood insurance or earthquake insurance?


What disasters are covered by home insurance?

Although individual policies will vary, a standard home insurance policy covers a range of potential hazards and disasters, including:

  • Fire
  • Lightning
  • Windstorms and hail
  • Smoke damage
  • Explosions
  • Vandalism
  • Theft
  • Damage caused by aircraft or vehicles


Standard policies do not cover flood damage, earthquakes, sewer backups, or wear and tear.


Flood insurance

Most flood insurance is administered under the Federal Emergency Management Agency (FEMA). Homeowners and renters are able to purchase flood insurance policies through insurers to cover their home and belongings from flood ruin. A policy covers direct physical loss from floods and from flood-related erosion caused by flash floods, severe storms, abnormal tide surges, or similar situations resulting in flooding.


Earthquake insurance

Since homeowners and renters insurance policies will not cover earthquake damage, an earthquake insurance policy should be considered. If you live near a fault line or an area with seismic activity as a result of drilling, then you could benefit from earthquake insurance. This policy will help you to pick up the pieces if your property and belongings are damaged by earthquake activity. Vehicles tend to be covered for earthquake damage under your comprehensive auto insurance policy.


Take a moment to review your policy terms or call your insurer for further clarification. The team at Hoffman Brown Company are ready and waiting to help you find reliable and responsible insurance for your property. Contact us today to get started!