Flood & Earthquake Insurance in La Habra: Why Standard Homeowners Policies Don’t Cover Floods or Earthquakes 

Living in La Habra means enjoying beautiful weather and vibrant communities, but it also means facing unique natural risks. Many homeowners are surprised to learn that standard homeowners insurance policies do not cover damage caused by floods or earthquakes. At DRD Insurance Agency, we believe it’s essential for you to understand these coverage gaps and how to protect yourself financially from unexpected disasters.

Why Aren’t Floods and Earthquakes Covered by Standard Policies?

Homeowners insurance policies are designed to cover common risks like fire, theft and certain types of water damage (such as burst pipes). However, damage from natural disasters like floods and earthquakes is usually excluded. These events can cause widespread destruction, making them too costly for standard policies to absorb. That’s why separate flood and earthquake insurance policies are necessary to fill these critical gaps.

Understanding Flood Insurance

Flooding can happen anywhere, not just in designated flood zones. Heavy rains, overflowing rivers and sudden storms can lead to significant water damage. Flood insurance is a separate policy that can financially cover losses caused by rising water from outside your home. Without this coverage, you could be financially responsible for all repair and replacement costs following a flood.

The Importance of Earthquake Insurance

California is known for its seismic activity, and La Habra is no exception. Earthquake insurance can help you recover financially from damage to your home and belongings caused by ground shaking. Since standard homeowners policies typically exclude earthquake damage, getting separate earthquake insurance is essential if you want to protect yourself from the financial consequences of a major quake.

How Our Team Can Help

At DRD Insurance Agency, we help La Habra homeowners assess their risks and find the right flood and earthquake insurance options. Our team is here to answer your questions, explain policy details and check that you have the financial protection you need for peace of mind. Contact us today to review your coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.