What Does Earthquake Insurance Cover?
Earthquake Insurance generally covers your Building, also known as your Dwelling, your house’s structure as well as any attached extensions such as an extra room or garage. In addition to this, you will want to pay attention to your Building Ordinance and Law Coverage, because if you building is damaged during an earthquake, this will cover any additional costs to bring your building codes up to standards.
Personal Property covers damage to your belongings, like TVs and furniture. Because during an Earthquake you will normally be concerned with things being broken, versus seeing water damage or fire damage, you will want to ask if your Earthquake Policy includes Coverage for Breakables which provides coverage for ceramics, glass, crystal, and other easily breakable items.
If you are no longer able to live at your home after an earthquake has occurred, you will have to most likely live somewhere else, maybe drive further, and no longer have a regular kitchen to cook meals. Those additional living expenses can add up, and that is why Loss of Use Coverage is very important, even on an Earthquake policy.
Isn't Their Only One Earthquake Company?
We meet with many people who believe that California Earthquake Authority is the only Earthquake Insurance provider out there. Our process in finding affordable Earthquake Insurance involved not only seeing if you are eligible for the CEA, but also checking with a wide variety of other companies to find the most competitive rates and best service for your Earthquake Insurance. Below are just a few of the companies we can provide Earthquake Insurance through.
How To Select Earthquake Insurance
First, we look at who your Homeowners Insurance company is. This will determine if you are eligible to use California Earthquake Authority or not.
Next, we provide quotes from the California Earthquake Authority if possible. They have many options available and may be a great choice.
Lastly, we check other companies to ensure that you are getting the best price available for Earthquake Insurance in your area, and a right fit for you.