Disaster

Exception

￭ Purchase flood coverage directly from insurance agent.

￭ Get replacement cost coverage for the structure of your home, but only actual cash value coverage is available for your possessions. There may also be limits on coverage for furniture and other possessions stored in your basement.

￭ Flood insurance is also available for renters. However, it takes 30 days for coverage to effect. Get it as soon as possible.

 Earthquake coverage can be a separate policy or an endorsement to your homeowners or renters policy. It is available from most insurance companies.

3. Maintenance damage

It is your responsibility to protect your home from damage. Your insurance policy will not cover damage due to lack of maintenance, mold, termite infestation and infestation from other pests.