Earthquakes

Over the past few months we have seen fire, flood, wind and rain. It is now time to talk about earthquakes. We live in Southern California; it is not If, it is when are we going to have our next big earthquake. Most of us live within 25 to 30 miles of an active fault. Even a moderate earthquake can still cause damage.
If you don’t have an earthquake policy, then you do not have earthquake coverage. Earthquake coverage is a separate policy. There are a lot of options for earthquake insurance. An earthquake policy will cover your home and you can obtain coverage for your personal property. You can also get coverage to live elsewhere while repairs are done to your home. If you don’t have earthquake insurance, you pay 100 percent for your recovery costs.
There are many options now for earthquake insurance that make it more affordable, such as your deductible, you have a choice from five percent to 25 percent. There is also coverage for renters, very affordable, as it covers your personal property.
You can learn more by contacting your Insurance Agent, as it must be purchased as a companion policy to your homeowner’s or renter’s insurance.