According to studies, only 10% of residents in CA, a high-risk state for earthquakes, have earthquake insurance. Homeowner policies exclude damage resulting from an earthquake. This leaves the homeowner responsible for repairing or rebuilding the home, replacing damaged property, and paying for temporary housing if the home is uninhabitable.
An Earthquake policy covers:
- Repairs to your home, condo, apartment building and commercial building
- Other detached structures
- Temporary housing
Government assistance programs, like FEMA, are designed to provide short-term relief for those recovering from a natural disaster. FEMA, the Red Cross, and other similar services can provide temporary food and shelter to those in need. They aren’t, however, designed to pay for or reimburse property owners for the cost of repairing their homes or replacing their personal property.
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Our licensed staff is ready to help you with quotes for your Earthquake insurance. Because we’re an independent insurance agent we can shop the top insurance companies to help you find the right coverage at the right price.