Home insurance, also known as homeowners insurance, typically covers damages to the structure of your home and personal property caused by perils such as fire, theft, vandalism, and certain natural disasters such as hurricanes, tornadoes, and wildfires. Home insurance policies vary depending on the insurance company and the coverage selected by the homeowner, but typically include dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage.
Flood insurance, on the other hand, specifically covers damages caused by flooding. This type of insurance is typically purchased as a separate policy and is not included in a standard home insurance policy. Flood insurance policies cover damages caused by rising water, such as those caused by heavy rain, melting snow, or coastal storm surge.
The recent storms in California have highlighted the importance of having both home insurance and flood insurance. While home insurance may cover damages caused by some types of natural disasters, it may not cover damages caused by flooding. As California experienced severe rainfall, flooding was a common occurrence, causing significant damage to homes and personal property.
Therefore, homeowners who live in flood-prone areas, such as near rivers or in coastal areas, are advised to consider purchasing flood insurance to protect their homes and property from potential damage caused by flooding. It's also essential to review and understand the coverage of your home insurance policy and make sure you have adequate coverage for other types of natural disasters that are common in your area.