We have all heard it many times before; the impending possibility of having a magnitude 6.7 earthquake is a strong possibility here in California. There is no warning system and it could happen at any time.
Also a known fact is; most Homeowners Insurance Policies do not cover damage or losses caused by Earthquakes and believe the cost is too high to purchase Earthquake Insurance. But it does not have to be this way and you may be surprised as to how affordable it can be. You can choose Flexible deductibles, Coverage and Payment options.
Over 80% of homeowners in California do not carry Earthquake Insurance and probably are banking it will never happen to them.
Just like purchasing a Life Insurance Policy; you get it to safeguard against an unlikely or devastating occurrence in your life. A strong Earthquake can cause devastating damage to your Home and property.
Let’s face it; most people probably would not purchase auto or health insurance unless it was required by law. And, most of us are not wealthy enough to recover from a devastating event like an Earthquake. There are no two Earthquakes alike and new faults are being discovered.
Another caution we have is, not to assume that by bolting down items or retrofitting your home is enough. While this is certainly being proactive, it probably would not protect if the foundation below gives way.
As Californians we know we have the best weather in the Country and thus our homes are built in flood zones, on mountainsides and on earthquake faults. You may think just because we do not have torrential rain and tornados we are not at risk. While weather related damage can be devastating, they also come with some kind of warning systems while Earthquakes do not.
Feeling lucky? Don’t! Our luck may be running out…
One of the pillars of personal finance, life insurance is something worth looking into for your household. More than thinking of life insurance as an investment, think of it as a risk management tool that will be useful in life threatening instances such as death. Additionally, as complex as life insurance may be, remember that if you have people who rely on you, you may want to consider finding a life insurance policy that best fits your needs as well as your loved ones.
This type of insurance helps protect your businesses from any losses that may have occurred from external damages and any other damages that may have cause disturbances to the normal course of your business. Business insurance has several types of coverages including property damages, legal liabilities, and employee-related risks. Henderson Insurance can help you evaluate what insurance needs are best for your business based off potential risks and other conditional factors based upon the type of environment your business operates in.
Home insurance is a type of property insurance which will cover losses and damages of a home. Additionally, home insurance will give home-owners the coverage against any accidents within the home or if there are external damages such as a fire. Pretty self explanatory, however, there may be some frustrating situations in which the home insurance you chose may not cover certain damages. Therefore, it’s important to read up on the policies and choose the right one for your home. Henderson Insurance can help you choose the right home insurance.
Driving is something most of us do effortlessly and on a day to day basis. We often forget how dangerous driving can really be, so it’s important to find the right auto insurance that can protect both you and your car. Auto insurance policies apply to cars in order to mitigate the costs associated with an accident. This way, car owners won’t have to pay a hefty amount out of pocket.
In essence, health insurance covers medical and surgical expenses incurred by the insured. This insurance is a type where the insured will be reimbursed if there has been an injury. Additionally most employer benefit packages will include health insurance. However, if you’re looking for the right health insurance, Henderson Insurances can help find you the right policy.
Maintaining your pearly white set of teeth can be confusing. Dental insurance helps you budget and is less complex in comparison to health insurance. With that being said, dental insurance is more straightforward in regards to the different procedures that are covered and how much you should expect to pay out-of-pocket. Dental insurance can be a part of medical insurance plans or as a standalone policy.
Make sure your special event is covered with our Special Event Insurance when the unexpected comes. There are two different types of coverages, a liability coverage and cancellation coverage. Whether you want both or just one, this insurance can help you cover any unforeseen circumstances that may be way out of your control and pose as a threat to your big day.



