Does Your Home Insurance Include Additional Living Expenses?

You may need additional living expenses coverage in your home insurance policy.

If a natural disaster were to destroy your home structure, you may be forced to move out of your home until it’s repaired. When you cannot live in your home because of a loss covered by your home insurance policy, such as a hurricane or tornado, your insurer is able to reimburse you for certain expenses that you occur while you’re living away from home. This is called additional living expenses coverage.

What does this coverage include?
The additional living expenses coverage in your home insurance is designed to cover the costs associated with loss of use of your home, including those of a hotel room, restaurant meals, and transportation.

How am I reimbursed?
You must file a claim with your home insurance company as soon as possible. Generally, this coverage will pay for the gap between pre- and post- disaster housing and food. For example, if you usually spend $500 a month for food, but you now spend $750 because you have lost use of your kitchen and must eat out, your insurer will may pay for the $250 difference.

What is not included?
Items that are not considered additional living expenses are belongings such as toiletries, clothing, temporary repairs to your home, entertainment expenses (unfortunately, going to the movies because you’ve lost use of your TV doesn’t count!), and your normal mortgage bills.

Can I obtain coverage if my home was damaged by a flood?
The damages caused by floods are not covered at all in home insurance policies, and most separate flood insurance policies do not provide additional living expenses coverage. Talk to a trusted insurance agent for advice on obtaining coverage.

So that your additional living expenses are covered by your California home insurance in the event of a disaster, contact Stromsoe Insurance Agency.

Fall Recipe: Chocolate Pecan Pie

Leaves are falling and Thanksgiving is here. This time of year is preparation for the holidays, which are just around the corner. Thanksgiving is the time when we carve the turkey and eat lots of other fall-themed food. A popular Thanksgiving recipe is for the pecan pie. However, this fall favorite is a twist on a traditional recipe.

According to Betty Crocker, the Chocolate Pecan Pie Bars are a great substitution for the traditional pecan pie. Not only are they easy to make, but they are loved by everyone.

1 ½ cups flour
½ cup packed brown sugar
½ cup butter, softened
1 cup chopped pecans
¾ cup corn syrup
2 tablespoons butter, melted
½ teaspoon vanilla
3 eggs, beaten
1 bag (6 ounces) semisweet chocolate chips

Heat oven to 350 degrees. Beat flour, brown sugar and butter in large bowl with mixer. Press mixture in bottom of ungreased 13x9x2 pan. Bake 15 to 20 minutes or until golden brown. Stir remaining ingredients together and pour over partially baked crust. Bake for another 30 to 35 minutes. Cut and serve.

For more information about your insurance needs in California, contact Stromsoe Insurance Agency.