Locations
Flood Insurance & Earthquake Insurance
Plan for the unexpected
Coverage for natural hazards like floods and earthquakes—because most homeowner policies won’t help
Homeowner policies usually exclude damage caused by flood or earthquakes. If you live in a flood zone or an area that’s prone to earthquakes, consider adding flood or earthquake insurance to ensure that you can repair or rebuild if your home is severely damaged.
As extreme weather becomes more common, so do natural disasters, and that impacts homeowners across the country. Earthquakes are more common in many western states than in other parts of the U.S. If your home is at risk from these perils, it makes sense to protect your home and personal belongings with flood or earthquake coverage.
At Global Insurance Brokers, we work for you—not for the insurance companies. We’re here to ensure you get the coverage that’s right for you. Our team will:
- Discuss your situation and provide personalized advice
- Help you identify the insurance policies that best meet your needs
- Find you that coverage at the best possible price
In some cases, your mortgage lender may require you to carry flood insurance. If this is the case, your lender will let you know before the loan closes. While earthquake may not be required by lenders, it can provide important coverage on your new purchase.
Your home’s location is usually the biggest factor in determining the cost of flood or earthquake insurance, because some areas have a higher risk of floods or earthquakes than others.
Here are some other factors that might affect your costs:
- The age of your home
- The number of floors in your home and whether you have a basement
- The framing and foundation materials used to build your home
Flood and earthquake insurance typically cover the following problems when they are caused by a flood or earthquake:
- Damage to the interior or exterior of your home
- Damage to your personal property
- Temporary housing if your home is uninhabitable
Most flood and earthquake policies have some exclusions, which you can discuss with your agent. In some cases, your homeowners insurance might cover some of those costs.
What our members are saying
“I recently switched our homeowners insurance to Global. I couldn’t find earthquake insurance elsewhere that was offered in our state. The insurance brokers were extremely helpful and very quick to respond to emails!”
– Wanetta L
Progressive Premier Partner Award
Awarded for exceptional knowledge and performance
Umialik Circle of Excellence Award
One of the top agencies for performance, growth, and partnership
Safeco Ignite Agency Program Elite Status
The highest level of recognition, given to only 10% of agencies
How Much Homeowners Insurance Do I Need?
Protect yourself by having the right homeowners insurance coverage.
What Can an Insurance Broker Do for You?
An insurance broker can find the best coverage and price for you.
4 Basics of Car Insurance
Car insurance protects you with four types of coverage.
Always here when you need us.
We don’t think exceptional service should be so exceptional. Get in touch with us 24/7 from anywhere in the world.
Whether it’s in a branch or over the phone, you’ll always talk to a real person.