Standard homeowners insurance policies generally don’t cover damage from earthquakes and floods. That’s why people buy separate earthquake or flood insurance if they live in an area prone to those disasters. Here are some things covered by earthquake insurance once you’ve paid your earthquake deductible:

• Earthquake damage to the home or any structures on the property
• Earthquake damage is done to personal property
• Additional living expenses if earthquake damages make your home temporarily uninhabitable

Earthquake insurance is worth it if you live in a high-risk area.

• Earthquake insurance is not included in standard homeowners insurance but must be purchased as a separate rider.
• States near fault lines (California, Alaska, Oklahoma, etc.) are more likely to experience earthquakes.
• You should consider purchasing earthquake insurance if you live near a fault line or high-risk area.

We don't think the unthinkable will happen until it does. But the essence of insurance is to help us prepare for the unthinkable and lower our losses' financial burden. Earthquake insurance is no exception. Adding an earthquake endorsement to your homeowner's insurance policy will help to protect you from minor or catastrophic losses resulting from an earthquake. If you live near an active fault line or in a high or moderate-risk area, earthquake insurance may be essential to your peace of mind.

Call us now to learn more about Earthquake insurance.