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Securing Home Insurance to Cover Mud and Landslide Damage

insuring your home against mudslides and landslides

Securing Home Insurance to Cover Mud and Landslide Damage

Here’s how you can cover the property damage caused by mud and landslides.

If you have home insurance in Orange, California, then you might assume that your policy will offer coverage against any type of damage that threatens your property.  Unfortunately, this simply isn’t the case.  All insurance policies have limitations and exclusions, and your homeowners insurance is no different.  Two of the serious perils that standard home insurance will not protect against are mudslides and landslides.  So, how can you secure your home the protection that it needs?  Here’s what you need to know about insuring your home against mud and landslide damages.

Landslide and Mudslide Coverage 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 usually exclude.  Typically, 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 insure your home against mud and landslide damages.  Do you have additional questions about DIC coverage or home insurance in Orange, California?  If so, then contact the experts at Remland insurance.  Our dedicated team is eager to assist you with all your coverage needs today.


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