Climate Change Impact

What we Cover

Our comprehensive Climate Change Impact insurance offerings include:

• Earthquake Coverage covers damage to your home and structures attached to it, such as a garage.
• Earthquake coverage covers damage to your personal effects.
• Different deductible options and coverage limits are available.
• Flood coverage is not covered under a standard homeowners’ policy.
• Flood coverage is purchased from the National Flood Insurance Program (NFIP). A federally regulated program that offers two policies: one for your actual home and personal property. You can purchase one or both policies.
• Flood coverage covers the cost to rebuild or actual value of your home (whichever is less). It includes the following:
  • The home and foundation
  • Electrical and plumbing systems
  • HVAC equipment like air conditioners, furnaces, and water heaters
  • Permanently installed carpeting over an unfinished floor
  • Permanently installed wallboard, paneling, bookcases and cabinets
  • Window blinds
  • Debris removal
  • Water Heater
• Flood coverage covers personal property such as:
  • Clothing, furniture, and electronic equipment
  • Curtains
  • Window AC units
  • Portable microwaves and dishwashers
  • Washer/dryers
  • Freezer and frozen food
  • Up to $2,500 in valuable, such as art and furs* (*Please note that personal possessions claims are paid on actual cash value – not what you paid for them.)
• Homeowner’s Insurance pays for losses and damage to your property if something unexpected happens such as a fire.
• Homeowner’s insurance is the most essential insurance from a personal and financial perspective.
• Covered Perils:
  • Fire
  • Smoke
  • Windstorms
  • Lightning strikes
  • Hail
  • Explosions
  • Vandalism
  • Theft