California is due for a sizable earthquake at any moment and most houses along the Central Coast can be as close as 15 to 30 miles from the nearest fault line. Being prepared ahead of time is the best way to protect your home and belongings from earthquake damage! Adding Earthquake Insurance to your Homeowners Insurance policy can give you peace of mind that whenever an earthquake hits, you won’t have to pay for the expenses of repairing or rebuilding your home out of pocket. Standard homeowners policies don’t include earthquake insurance, so you will need to purchase an additional policy specific to earthquake damage.
Earthquake Insurance Coverage Options
An earthquake insurance policy has multiple options for coverage that will help protect:
- Your home/dwelling – covers your home and any structures attached to it, like a garage
- Personal property – covers your furniture, appliances, clothing, and electronics that are damaged or destroyed in an earthquake
- Loss of use – provides a place to stay if you are displaced from your home during repairs or rebuilds after an earthquake. Most mortgages are still required to be repaid while you are displaced and paying rent, so the loss of use policy would pay your rent and other expenses during that time
- Emergency repairs – your home might be unstable after an earthquake and require emergency repairs to protect it from future damage
- Building code upgrade – homes built before 1980 might not be built to modern earthquake design code, and would need to be retrofitted to be up to code and pass inspections, so the building code coverage option will cover those expenses needed to update plumbing, electrical, heating, etc
Get Earthquake Insurance Now
Since we live in an earthquake prone area, it is important to have earthquake insurance as supplemental insurance to your homeowners policy. Let us help you find the best coverage for your specific needs.
Call Us at 805-963-4048 or email service@baxterinsurance.com to find out what options we can offer you!
