Earthquake insurance
earthquake insurance is tailored To specifically cover buildings after an earthquake occurs. homeowners or renters insurance policies expressly exclude damage to property from an earthquake. earthquake insurance provides coverage for the losses and damage that earthquakes can cause to your home and belongings.
Do you have specific questions about earthquake insurance or need help finding the right coverage?
Get Help With Insurance, Inc. can quote your insurance with several carriers that that provide insurance coverage for property damage from an earthquake. Call us today to get started!
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Earthquake insurance is a specific type of insurance coverage designed to protect homeowners, renters, and businesses in the event of damage caused by earthquakes. Standard homeowners or renters insurance policies typically do not cover earthquake damage, so individuals residing in earthquake-prone areas may opt for separate earthquake insurance to safeguard their property and belongings.
what does earthquake insurance cover?
This insurance typically covers repair or replacement costs for structural damage to buildings, personal belongings, and additional living expenses incurred if a residence becomes uninhabitable due to earthquake damage.
How much is Earthquake insurance?
Premiums for earthquake insurance can vary significantly based on factors like location, building materials, the age of the structure, and the level of coverage chosen. Deductibles for earthquake insurance tend to be higher than those for other types of insurance.
People living in areas prone to earthquakes, such as California, Japan, or other seismic zones, often consider earthquake insurance an essential part of their overall insurance coverage to mitigate the financial risks associated with potential earthquake damage.
Are Natural Disasters Rare or common enough to buy insurance?
We’ve all seen the recent natural disasters in the United States and abroad cause a very large impact on our finances.
If you were to fall victim to a natural disaster, could you pay for the damages out-of-pocket?
Could all of us depend on the government for assistance?
Federal disaster assistance is usually in the form of loans or grants and is only available if the damage is widespread and very serious, and the affected area is declared a disaster area by the Federal Emergency Management Agency (FEMA).
questions to ask yourself
If you’re deciding whether to buy earthquake insurance, consider the following questions:
- Do you live in a high-risk area?
- Have you assessed the potential cost of repairs?
- Do you have sufficient resources to repair, replace, or rebuild?
- Can you minimize potential losses by fortifying your property and securing your personal belongings?
- Do you have enough money in the bank to rebuild your house because your homeowners policy will not pay a dime?
This is intended as a general description of certain types of insurance and services available to qualified customers. Any description of policy provisions is meant to give a broad overview of coverages and does not revise or amend a policy. Refer to the policy coverage form for a complete representation of the scope of coverage, terms, conditions, exclusions and more. The policy is the contract that specifically and fully describes your coverage. Some products may not be available in all states and may only be offered on a non admitted basis. Product availability is subject to change.
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