Do you have it? Do you need it? Do you know what it covers? These are the most common questions homeowners should be asking when it comes to earthquake coverage. As residents of California, we are at a greater risk of experiencing an earthquake in our lifetime because of the major San Andres fault and others that run through our state.
Check out this link to find out where all the California fault lines fall:
Based on information from the California Earthquake Authority, the 1994 Northridge earthquake was one of the most costliest natural disaster on record for the U.S. With this said, a recent film, San Andreas, reminds us of what devastation could look like when we experience the next big earthquake. Although the movie is very Hollywood, it does a good job of bringing the issue to light and instilling fear in all of us.
Preparation in this case, is very important. Before you need the coverage, make sure you have it. Basic homeowner policies do not provide Earthquake coverage, which is a common assumption. If a loss did happen due to ground shaking, a homeowner would be responsible for damages out of pocket. An earthquake policy must be purchased separately from a home policy. Many companies we work with now offer great affordable policies with low deductibles. Obtaining a quote is quick, easy and painless. Contact us today to discuss coverage options, questions you may have or simply to get covered in place.
Remember, it isn’t a question of if but rather than when the next earthquake will occur.
Call us before you get shaken up!