3 Things You Should Know About Earthquake insurance

1. Earthquake damage is not covered by a standard homeowners insurance policy.

Too many citizen find out the hard way that earthquake damage is not covered by their homeowners insurance policy. A standard homeowners insurance policy will cover your dwelling and your personal asset against many perils. Things such as damage from hail or wind while a storm, theft or vandalism, even a car crashing into your house would be covered by a standard homeowners insurance policy.

Earthquake & Tsunami In Japan

But some things such as floods and earthquakes are not covered. To be covered for earthquake damage requires that you purchase further insurance. The premiums for this type of insurance are ordinarily pretty small but the deductibles can be high. If you choose to get earthquake insurance shop around for the best deal. Try to find a policy that offers the most coverage for a uncostly price and be sure to ask about how much the deductible will be.

2. California is not the only place that has earthquakes.

When you hear the word earthquake the first thing that pops into your mind may be California. But California is not the only place that gets earthquakes. Since 1900, 39 of the 50 states have had earthquakes and all 50 states have sustained damage due to earthquakes. Roughly 90% of Americans live in areas thought about to be seismically active but a very small ration of citizen no ifs ands or buts care your earthquake insurance. Even in California where earthquakes are most likely to occur only about 12% of homeowners carry earthquake insurance.

3. Some easy things you can do to prepare for earthquakes.

Many times, especially in a small earthquake, there may be no structural damage to your house but some of your personal asset inside the house may be damaged. In addition to asset damage citizen can be seriously injured or killed by large pieces of furniture or other objects falling on top of them should an earthquake occur. It's a good idea to accumulate large pieces of furniture such as a bookshelf to the wall that they are up against. A few dollars worth of hardware and a few minutes of your time could save your life.

It's also a good idea to have some bottled water, flash lights, canned food, and first aid supplies on hand. If there is an earthquake there could be power outages and plumbing damage and it's good to be ready for those possibilities.

3 Things You Should Know About Earthquake insurance