Get Insurance Protection Against Natural Disasters
Basic home owner's insurance does not cover every contingency. If you live in an area where natural disasters, such as floods or earthquakes, occur, you need to buy additional protection to cover your home in the form of rider on your home owner's policy.
Instructions
1. Check with the U.S. Geological Survey, in your local phone directory, or the Federal Emergency Management Agency (FEMA) for maps showing the earthquake and flood risks in your area. FEMA can be reached at (800) 358-9616.
2. Contact the federal flood insurance program for background information on the types of policies available through private insurance companies. The federal flood insurance program can be reached at (800) 638-6620.
3. Call several different insurance carriers.
4. Ask them specifically about their rates for riders covering the current value of your home for flood, earthquake, hurricane or other natural disasters.
5. Go with the carrier that offers the best balance of rates and protection for your situation.
Tags: your home, Against Natural, Against Natural Disasters, federal flood, federal flood insurance
