Look after your biggest investment and everything in it with a proper policy that ensures its protection in the event of an accident or natural disaster.
In California, nearly all standard property insurance policies do not cover losses due to Flood. Whether personal or commercial, Flood Insurance should be a consideration.
In California, nearly all standard property insurance policies do not cover earthquake damage. Whether personal or commercial, if you live in an area that puts you at risk for earthquake damage, the costs can be vast between rebuilding your home/building, replacing any lost personal/business property, and being displaced for a period of time.