Earthquake insurance pays for covered losses to your property caused by an earthquake or volcanic eruption, up to the limits you select. If you have aa mortgage, you must have homeowners insurance, however, homeowners insurance does not cover earthquake damages.
Although the California Earthquake Authority offers earthquake insurance for individually owned residences, our representatives are able to find most home owners better priced, more comprehensive coverage.
Earthquakes are a natural disaster that is not usually covered by conventional homeowner insurance policies. Because homeowners insurance policies do not cover earthquake damages, nearly every homeowner in California should highly consider having an earthquake insurance policy.
In general, earthquake insurance pays for damages to a home or other personal belongings that result from an earthquake. This could include destroyed valuables or collapsed walls inside the residence.
Be mindful that some types of earthquake-related damage might not be covered by the policy. For instance, a flood that an earthquake causes may not be covered by an earthquake insurance policy.
Each policy may provide coverage for some damages, but not others. Therefore, it’s crucial that you read your earthquake insurance policy thoroughly.
Earthquake insurance coverages have limits. The purpose of this type of insurance to make sure you have a roof over your head. Unfortunately, it does not replace everything you lose.
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Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.
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