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Oct 21, 2015

Disaster protection considerations for your Vacaville, CA homeowners insurance.

The recent wildfires that ravaged through Northern California burned thousands of acres and destroyed many properties. As horrible as the fires were, they were a good reminder to take a look at your insurance policies to ensure that you have the protection that you deserve in case the flames start rising again.

Between 1995 and 2014, fire, including wildfires, caused 1.5 percent of all insure catastrophe losses that totaled around $6 billion. Within the United States, California had the most wildfire activity during that time. Seven of the top 10 costliest wildfires in the country in terms of insurance losses occurred in California. The most expensive wildfire being the Oakland Hills Fire in 1991, which lead to $2.7 billion in insurance claims.

Luckily, damage to your house that is caused by smoke or fire will be covered under most standard homeowners insurance policies. Any water damage that is caused by firefighters who are putting out the fire will also be covered under the policy. Your homeowners insurance policy will also provide coverage for additional living expenses that are incurred if you are not able to live in your house while it is being repaired after a fire.  These costs can include restaurant meals, hotel bills, and other expenses that you incur that are over your customary living costs until you are able to move back into your home.

Taking the time to look over your homeowners insurance before a disaster strikes can help to give you peace of mind, knowing that you are protected from any peril. Contact Gateway Professional Insurance Services in Vacaville, California for all of your home insurance coverage needs. As an independent insurance agency, we will work with you to make sure that you have the right amount of protection, all at the right price to fit your budget.

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