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Earthquake

Earthquake Insurance Policies

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An earthquake is a terrifying prospect for most people. However, those who are homeowners will also be thinking about the high costs of repairs they'll be facing after the event. Since standard insurance won't cover the damage, considering earthquake insurance is probably a wise financial move for most.

Will my policy cover everything on my property?

The specifics of policies can vary greatly from state to state, so you need to check yours carefully. There's a chance that it won't cover everything outside of your home; this can include pools, landscaping, your patio, or outdoor furniture. Additionally, some policies have limits for how much will be paid out to repair or replace the damaged contents in your home.

Will my policy cover alternative housing while my property is repaired?

It is likely that you'll be provided with at least some money to pay for alternative housing while your home is being fixed. However, remember that rent and hotel costs are likely to skyrocket after an earthquake as demand increases. As a result, the amount of money you're given might not get you very far.

Is my deductible going to be different from my other insurance policies?

Frequently, a deductible is a set amount of money you pay before your insurance offers up anything on the claim. Earthquake policies, however, are typically based on the value of your home. This means the more your property is worth, the higher your deductible will be. Make sure that you will actually be able to pay your deductible in the event of an earthquake.


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