Climate Change Impact
Like it or not, the global climate is changing, and the resulting severe weather events have had a catastrophic impact all around the world. Beyond flooding, tornadoes, and wildfires, though, climate change has the potential to impact businesses in many other unforeseen ways.
When you want the security of knowing your personal interests will be protected no matter what comes, we can help craft a comprehensive, customized climate change insurance program that will cater to your unique needs.
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
Ready to get Started? Contact a Broker today to get started.
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