Insurance protection for emergency situations

TEMECULA – Emergencies, especially storms and wildfires can be unpredictable and cause personal injury and costly damage to homes. The right insurance is essential to help mitigate damage from natural disasters and soften the financial blow that such destruction can cause. Not all insurance is the same, and additional policies and riders may help reduce the impact of emergencies. Homeowners insurance Standard homeowners insurance policies will cover a wide range of issues. American Family Insurance said damage from wildfires, wind storms, tornadoes, ice storms, lightning strikes, hail, power surges and fallen trees is included. But additional coverage may be needed to cover excessive damage. Matching siding coverage Some homeowners may want to replace all of the siding on their homes