Can you afford to rebuild your home if it is destroyed?

Although wildfire season comes every year, a recent poll by the Insurance Information Network of California, found that only 22 percent of Californians consider themselves prepared for a disaster.
Southern California wildfires have displaced thousands of residents across much of the southland in recent years. With a multitude of wildfires in Southern California this should be a reminder of the importance of having proper insurance coverage for your home and valuables, whether it is your home, condo, apartment or your autos. Be sure to also have the proper coverage of your contents.
It is sad, but if you have seen news stories, many victims do not have homeowners insurance. Some people think that they do not need homeowners insurance if they own their home outright. Can you afford to rebuild your home if it is destroyed? Can you afford to replace all the contents of your home if it is destroyed? Or what if your car, boat, motorcycle, etc is destroyed? Can you afford to replace any or all of those if they are not properly insured?
You might also have “loss of use”, which means that your home is uninhabitable. Can you afford additional living expenses, such as renting a house or apartment until your home is habitable?
Families can protect themselves when faced by disaster by practicing the following tips:
●If you are ordered to evacuate follow the police or firefighters instructions. Safety is more important than your home & valuables.
● Have a family evacuation plan, plan escape routes and have a meeting place in the event you become separated.
●Designate a contact person that your family can call to report any information needed.
●Make an inventory list, as well as take pictures and/or videos of all of your belongings and valuables and store them away from home.
●If you have time before you evacuate be sure to gather any financial documents, insurance papers, irreplaceable items, such as photos or family heirlooms etc…

If you need further information please contact Doug Motz from the Douglas W. Motz Insurance Agency, Inc.(License #0F00702) Doug Motz can be reached at 760-200-0270 or you can go to www.DougMotz.com.
43875 Washington St. ●Suite A● Palm Desert, CA 92211

Douglas Motz Insurance Agency would like to thank all of the emergency response teams and fire departments throughout California for their commitment to public safety. We are so grateful and appreciative for what you and your families sacrifice.