14 Mar 2019
Securing Home Insurance to Protect Against Mud and Landslides

Protecting your home against mud and landslides.

When you secured home insurance, you likely assumed you had coverage for every type of damage event.  Unfortunately, all insurance policies have their limits and exclusions, and your home insurance is no different.  Two of the most commonly excluded perils are mudslides and landslides.  If you live in an area prone to these disasters, you might be wondering how to secure your home the protection it needs.  Here’s what you need to know about mud and landslide insurance.

Mud and Landslide Insurance Options

Homeowners can secure coverage for landslide damages with a difference in conditions (DIC) policy.  DIC insurance specifically offers coverage for the perils that standard insurance policies typically exclude.  Usually, DIC insurance is issued as a standalone policy, but some insurers may offer you the opportunity to add this coverage onto your existing homeowners policy as an endorsement.

The Cost of DIC Insurance

The cost of your DIC insurance is dependent on multiple factors.  For instance, your insurer will take into account the slope of your property, how close your home is to mountains and hills, and the frequency of land and mudslides in your area.  Obviously, the higher your risk for land and mudslide damage, the higher your DIC insurance rates will be.

This is how you can secure home coverage to protect against mud and landslide damages.  Do you have further questions regarding your home insurance?  If so, then contact the experts at Weaver & Associates in Arcadia, California.  Our dedicated team is eager to assist you with all your coverage needs today.