Q: What are 2 ‘natural disaster’ events not covered in a basic home policy?
A: According to the California Department of Insurance, below are the 2 ‘natural disaster’ events not covered in a basic home policy.
Homeowners, renters, and condominium insurance policies do not cover damage from natural disasters such as earthquakes, floods, and landslides.
Facts - Earthquake Insurance
- Your homeowners insurance does not cover earthquake damage.
- As with most earthquake policies, CEA insurance does not cover landscaping, pools, fences, masonry, or separate buildings.
- Earthquake insurance usually does not cover anything that your homeowners policy already covers.
- Earthquake insurance does not cover damage to your vehicles.
Source: Earthquake Insurance. California Department of Insurance. Retrieved from: http://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/eq-ins.cfm