Risk, peril and hazard are all terms used in homeowners insurance. Catastrophe insurance is a type of homeowners coverage that can help you with emergency medical costs resulting from a named peril. For more information on catastrophe insurance, here are the basics:
In most homeowners insurance policies, only specific hazards will be covered and may vary by policy or insurer. Catastrophe insurance is an optional addition, or rider, you can include in a homeowners policy to help cover health costs related to a disaster.
Homeowners insurance protects your personal property against damage. It can also financially protect you and your household from unforeseen injuries caused by your own residence. However, only catastrophic insurance riders will provide broad coverage for emergency medical expenses.
It's crucial to know which hazards are included in your particular policy, and also the limits of your health insurance coverage. Injuries sustained in a natural disaster can make a difficult situation even worse. The more you can do to protect yourself and your finances, the better.
David has been helping clients with their real estate needs since 2006. On Hilton Head Island he has experienced and lived in the villa, gated, and non-gated communities. His love of this unique area and care of his client's individual needs are of utmost importance. Whether you seek a dream home or investment real estate he can help you achieve that goal.
He is the current President of the Property Owners Association of Burkes Beach, an upscale beachfront community located mid-island. He is an avid college football fan and University of Tennessee graduate in Business Management. He is the proud Father of five island children, Palmer, Baylor, Banks, Beres, and Jewels.
