Insurance Company Wynn

Whether you just moved to California or you have lived here for a long time, you need home insurance. Your policy may vary depending on the options you choose. Still, Wynn Insurance Agency home insurance company in California wants you to understand what goes into a standard policy, so you know your starting point. A standard policy covers property damage, liability, other structures, and living expenses. Only property damage incurred from a named peril – a hazard discussed explicitly in the policy – gets paid for by the policy. This typically includes fire, wind, lightning, etc. In California, earthquake coverage requires a separate policy. Throughout the US, the peril of flooding requires a National Flood Insurance Program (NFIP) policy. The coverage applies to all four areas, but liability is not typically incurred during one of the perils. For example, if property damage occurs due to fire, the standard homeowners’ policy covers the structural damage to the home, plus the damage o