{"id":6122,"date":"2022-06-07T12:18:01","date_gmt":"2022-06-07T19:18:01","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=6122"},"modified":"2022-12-21T11:30:59","modified_gmt":"2022-12-21T11:30:59","slug":"does-your-homeowners-insurance-in-california-cover-these-4-emergencies-and-others","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/does-your-homeowners-insurance-in-california-cover-these-4-emergencies-and-others\/","title":{"rendered":"Does Your Homeowners Insurance in California Cover These 4 Emergencies (and others)?"},"content":{"rendered":"\n
Emergencies happen. When they happen where you live, they can cost you plenty. You\u2019re hoping your homeowners insurance<\/a> covers the damage. Otherwise, the expense comes totally out of your own pocket. <\/p>\n\n\n\n That can be a bit of a shock to new homeowners<\/a> in California who used to rent. <\/p>\n\n\n\n While every homeowners insurance policy is different, such unexpected calamities as fire, flood, high winds, power failure or surges, and many others are usually covered. Even theft, vandalism, lightning, lions, tigers, and bears, oh my! <\/p>\n\n\n\n But what if a visitor trips down the stairs clogged by the kids\u2019 toys? Or there\u2019s significant smoke damage caused by one of California\u2019s famous wildfires? Or\u2026? <\/p>\n\n\n\n Well, let\u2019s just look at 4 less likely (but very possible) emergency situations and see what is, might be, or should be covered by your homeowners insurance policy. <\/p>\n\n\n\n This is California, after all. While residents of many other states would snicker at the premise of sustaining major home damage by either of those events, we in the Golden State know that we live where just about anything can happen\u2026and sometimes does. <\/p>\n\n\n\n Landslides and sinkholes are, indeed, rare. But they do happen here, and when they do, they can happen in a very big way. They\u2019re devastating. These natural disasters could potentially swallow your home and everything in it \u2014 and that\u2019s no exaggeration. <\/p>\n\n\n\n They\u2019re also not always covered by a standard homeowners insurance plan. However, you can add a rider to cover this additional risk at an affordable add-on cost. It might be something to look into, or at least take a moment to discuss with your homeowners insurance agent. <\/p>\n\n\n\n Perhaps one of your most indignant moments might be when your best friend from high school sues you for a broken leg sustained in a fall down your stairs. That might be hard to understand, but if she is underinsured medically, she could be left with few options except to file a claim against your homeowners insurance. <\/p>\n\n\n\n Fortunately, your standard policy will cover most accidents that impact visitors to your home. That\u2019s known as liability coverage, and your policy probably has it up to a dollar limit. Beyond that amount, however, you might be sued if the policy doesn\u2019t cover the full cost of the emergency \u2014 or your former friend has a very good lawyer. <\/p>\n\n\n\n1. Does Home Insurance Cover Landslides and Sinkholes? <\/h2>\n\n\n\n
2. Injury to Visitors under Home Insurance Liability <\/h2>\n\n\n\n
3. Will My Home Insurance Cover California Wildfires? <\/h2>\n\n\n\n