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Midvale, UT 84047

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United Insurance Services, Inc. Blog

Why would anyone need natural catastrophe insurance?

Anyone that lives in the Bluffdale, UT area will want to make sure that they get proper insurance for their home. When you are looking to improve your personal insurance plan, a great type of coverage to get is natural catastrophe insurance. There are several reasons that you will need to get this type of protection here.

Insures Against Local Risks

One of the reasons you need to get natural catastrophe insurance is to help you protect against local risks. No matter where you live, there is always a risk that a natural catastrophe could occur. Some examples of this can include tornados, hurricanes, or even forest fires. When you get a natural catastrophe insurance policy, it can be curtailed to protect against these risks to ensure your home is covered.

Insurance is a Requirement

You will also want to get natural catastrophe insurance because it is a requirement for you. Mortgage lenders may require those who will purchase a home in certain areas to carry natural catastrophe insurance. A lender that deems that your home location is at a higher risk for a natural catastrophe will want to know that you are covered if one occurs.

When you purchase a home in the Bluffdale, UT area, you will want to know that you have the right insurance plan in place. A great form of insurance to get here is natural catastrophe insurance. When you look for a new policy here, you should call the United Insurance Services, Inc. team. When you call our United Insurance Services, Inc. team, you will learn a lot about this unique form of coverage and how it can protect your important asset.

Why is natural catastrophe insurance different from home insurance?

Many people believe that their home insurance covers damage from natural disasters. Some of this kind of damage is covered if the home is located in an area where natural catastrophes are rare. But, United Insurance Services, Inc., serving Bluffdale, UT, would like to inform you that if your home is located in an area where natural catastrophes are more common, such as a flood plain or an earthquake fault, you may not be covered by your regular home insurance. You will likely need to buy a separate natural catastrophe insurance policy.

It is clear why a separate natural catastrophe insurance policy may be necessary. Some events, such as a storm or a hurricane, will do damage, such as roof or window damage. But an earthquake, tornado, or flood can destroy a home. Without a natural catastrophe insurance policy, you may be facing a total loss of everything you own except the clothes on your back.

Also, some natural catastrophe insurance policies will cover damages resulting from human-caused catastrophes, such as a riot. The cost of replacing the structure of a home or business and its contents can be enormous. A standard insurance policy may not cover such losses.

How do you find out whether you need to add natural catastrophe insurance to your standard policy? Feel free to contact the United Insurance Services, Inc., serving Bluffdale, UT. We will be happy to assess your risk and determine whether a natural catastrophe insurance policy is right for you.

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