What is Landslide Insurance and can I get it in La Jolla?

Last week was rather exciting in La Jolla, and not a good kind of excitement. La Jolla California made national news about the devastation of several homes due to a Landslide.

This landslide brings up a very important question for La Jolla residents Can I get Landslide Insurance? And if so is the cost worth the expense? Where does one turn to find out these answers in La Jolla?

You can't recover a penny in landslide or sink hole damage unless you buy a special landslide policy. In a landslide, the earth crumbles, falling on your home or causing your home to fall. That isn't covered by flood insurance.

On the other hand, mudslides are only covered by flood insurance offered by the federal government. With a mudslide land carried by floodwaters along the surface of the land, and that isn't covered by a landslide policy.

Landslides and sink holes -- where the earth caves in and swallows a home -- are only covered by the new commercial policies, but they're expensive.

If your La Jolla Luxury Home is obviously about to plunge, it's too late to get landslide insurance. It takes five days before the policy becomes effective. During that time, the insurers will send a technical team to examine the property.

If your home isn't located on or beneath a hill, and if it is built on firm soil, then you probably won't need landslide insurance. You still may need federal flood insurance, which covers several types of damage that a standard homeowners policy doesn't.

Damage from falling water -- to roofs, windows, floors or furniture -- normally is covered by a homeowners policy; however, damage caused by rising water is considered flood damage. Only a flood policy will reimburse you if a creek overflows and inundates your home, or a mudslide winds up in your La Jolla home.

Back to the question -- Can you get Landslide insurance in La Jolla? To answer that question you will need to speak with your insurance agent. Some La Jolla Insurance Companies that might be able to assist you include:

Lockton Insurance

4275 Executive Square #500 | La Jolla CA 92037

(858) 587-3100

Nigel Mallett Insurance Agency Farmers Insurance Group

7946 Ivanhoe Avenue #211 | La Jolla CA 92037

(858) 454-3225

Brian Konishi BGK Insurance Services

687 Turquoise Street | La Jolla CA 92037

(858) 488-8101

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We want to get your SOLD in La Jolla!

Call Maxine or Marti Gellens at 1-858-551-6630 today!