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United Insurance Services, Inc. Blog

Tips for Buying Natural Catastrophe Insurance

One cannot underestimate how vital insurance is, especially when a natural disaster strikes your home. It cushions you from a colossal loss, ensuring you are back on your feet within no time. However, when you are buying natural catastrophe insurance, there are things you have to consider to ensure you are getting sufficient protection. To make it easy for you, United Insurance Services Inc. serving residents of Bluffdale, UT, explains some tips to consider when buying this type of insurance.

First Get to Know Your Coverage

You need to know what your homeowners’ policy covers first before buying natural disaster insurance. A standard homeowners’ policy may exclude losses like earthquakes, landslides, and floods. This is especially important when you live in an area prone to any natural disasters. It will ensure you have adequate protection after a disaster.

Make an Inventory

Create an inventory of all the items in your home, and should you renovate it, ensure you have updated the list. You will also have to review it with the insurance company to ensure you are adequately insured. After a disaster, it will be easy to prove any incurred losses. Make sure you and the insurance company both have copies of this list.

Factor in The Value of Replacing Your Belongings

When you are making an inventory, it is also good to note down the cost of those items. This will guide you in buying adequate insurance. If you underinsure your property, then after a natural disaster, you will have to go back to your pocket to cover some losses.

Reinforce Your Home

When you live in disaster-prone areas, consider reinforcements like installing storm shutters, smoke detectors, and fire sprinklers. It will help lower your premiums since you will be minimizing damage to your property.

When it comes to insuring your home from natural disasters, you should not compromise. In the long run, you are the one who will benefit. For more information on natural disaster insurance, contact United Insurance Services Inc. today. Located in Bluffdale, UT, we will help answer any questions you have and assist you in buying the proper coverage.