Cal Fire Ready Set Go Brochure Final Files-V4-PRINT - Flipbook - Page 19
Insurance is the critical back-up plan enabling you to
rebuild your home after a wildfire. Follow these tips as
part of your Ready, Set, Go! Wildfire Action Plan:
Conduct an annual
insurance checkup
• Call your agent or insurance
company annually to discuss
your policy limits and
coverage. Make sure your
policy reflects the correct
square footage and features
in your home. Consider
purchasing building code
upgrade coverage.
Know what
your policy covers
• Know if you have a
replacement-cost policy that
pays to replace all of your
items at current market price,
or if you have an actual
cash value policy that takes
depreciation into account
and pays less for aged items.
Update your policy to
cover home improvements
• If you make home
improvements, be sure to call
your agent or company to
update your coverage. Make
sure your insurer knows about
the changes, so that new
countertops, floors, rooms,
etc., are covered if you
must rebuild.
Maintain insurance
• If your home is paid off, be
sure to maintain homeowner
insurance. Without insurance,
costs to repair or replace
a home or structure is the
responsibility of a homeowner.
Get renters insurance
• Renters can lose everything in
a fire and be left to start over.
Many insurers bundle renters
insurance coverage with an
auto insurance policy
at affordable prices.
Make a home inventory
• Document the contents of
your home before a wildfire
occurs. Use your cell phone
to video your belongings or a
camera to take photos. Store
the inventory list and photos
at a location away from the
property and/or in a cloud
internet server. Include the cost
of items and note important or
expensive items. If possible,
keep receipts for major
purchases.
• Don’t forget to include
items inside the home,
inside the garage, and
outside of the home.
INSURANCE
PREPAREDNESS
A home is generally your largest asset. Protect it.
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