If you own your home, it is probably your single biggest asset that you have worked hard to achieve within the American Dream. In the blink of an eye, your dream can crumble into a nightmare. Especially if an earthquake strikes and damages your home and personal belongings. Even if you take all available safety precautions. If a strong enough earthquake strikes, it is highly likely your home will suffer some level of damage. And you will need to repair it or replace your belongings. One way to give yourself peace of mind is to buy earthquake insurance.
Earthquake and Flood Insurance
Your standard homeowners policy does not cover two of California’s biggest risks: earthquakes and floods. Both are excluded, and both are bought as separate coverage. Peterson & Grantham places both, so your home is protected against the gaps a normal policy leaves open.
Earthquake Insurance
California sits on active faults, and a major quake can cause damage a homeowners policy will not pay for. Earthquake coverage is separate. We place it through the California Earthquake Authority and private carriers, and we help you weigh the deductible against the cost so the coverage fits your budget and your home.
Flood Insurance
Flood damage is also excluded from a homeowners policy. In the Roseville area, flood risk often follows the local creeks, and if your home is in a mapped flood zone your lender may require coverage. We place flood policies through the National Flood Insurance Program and private flood carriers, and we can check your flood zone for you.
