{"id":69,"date":"2022-04-29T04:00:00","date_gmt":"2022-04-29T10:00:00","guid":{"rendered":"https:\/\/www.utahautoinsuranceagent.com\/blog\/?p=69"},"modified":"2022-05-10T10:22:01","modified_gmt":"2022-05-10T16:22:01","slug":"levels-of-natural-catastrophe-insurance","status":"publish","type":"post","link":"https:\/\/www.utahautoinsuranceagent.com\/blog\/levels-of-natural-catastrophe-insurance\/","title":{"rendered":"Levels of Natural Catastrophe Insurance"},"content":{"rendered":"<p><span style=\"color:#0e101a\">Your home insurance covers you for a specific set of perils; typically 10, 16, or all perils. However, you need to add natural catastrophe insurance to cover earthquake, flood, and landslide perils. No home insurance covers floods and most don&rsquo;t cover earthquakes or landslides, even with all-perils coverage. You can still protect your home or business from these three perils with natural catastrophe insurance, also known as Nat Cat insurance.<\/span><\/p>\n<p><span style=\"color:#0e101a\">The insurance industry realizes that there is no one size fits all policy. You can choose from various levels of coverage, including:<\/span><\/p>\n<ul>\n<li><span style=\"color:#0e101a\">Contents only,<\/span><\/li>\n<li><span style=\"color:#0e101a\">Structural only,<\/span><\/li>\n<li><span style=\"color:#0e101a\">Contents and structural.<\/span><\/li>\n<\/ul>\n<p><span style=\"color:#0e101a\">If you rent your home, you would require a contents-only policy. Your landlord would choose a structural policy if they rent an unfurnished home, but a contents and structural policy if they rent a furnished home. Likewise, if you own your home, you would choose contents and structural coverage.<\/span><\/p>\n<p><span style=\"color:#0e101a\">You can reside in any type of abode and obtain cat insurance. This includes mobile homes as long as they use tie-downs to ensure they remain anchored to the ground.<\/span><\/p>\n<p><span style=\"color:#0e101a\">With respect to the flood coverage in the cat insurance, you can obtain it through the government&rsquo;s National Flood Insurance Program (NFIP) or through the Natural Catastrophe Insurance Program (NCIP). Either option fulfills the flood insurance requirement of a financial lending institution from which you obtained your mortgage.<\/span><\/p>\n<p><span style=\"color:#0e101a\">For more information on Nat Cat insurance or to get a quote on coverage for your home or business, contact United Insurance Services Inc. serving Bluffdale, UT. Let us help you properly insure your home against natural catastrophes.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your home insurance covers you for a specific set of perils; typically 10, 16, or all perils. However, you need to add natural catastrophe insurance to cover earthquake, flood, and landslide perils. No home insurance covers floods and most don&rsquo;t cover earthquakes or landslides, even with all-perils coverage. You can still protect your home or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[5,13],"class_list":["post-69","post","type-post","status-publish","format-standard","hentry","category-natural-catastrophe-insurance","tag-bluffdale-ut","tag-united-insurance-services-inc-2"],"_links":{"self":[{"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/posts\/69","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/comments?post=69"}],"version-history":[{"count":1,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/posts\/69\/revisions"}],"predecessor-version":[{"id":70,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/posts\/69\/revisions\/70"}],"wp:attachment":[{"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/media?parent=69"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/categories?post=69"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.utahautoinsuranceagent.com\/blog\/wp-json\/wp\/v2\/tags?post=69"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}