Earthquake Preparedness Tips

Earthquakes are terrifying natural disasters that put your life at risk, so it’s important you know earthquake preparedness safety tips. An earthquake is a sudden, rapid shaking of the Earth’s crust caused by the shifting of the tectonic plates which make up the surface of the planet. There is no detection system, meaning they come Read More

Rethink Your Stance on Earthquake Insurance in Sacramento, CA

Living in California is a rather risky thing, especially when you are not covered by earthquake insurance in Sacramento, CA. Only 17 percent of Californian homeowners have their homes covered by earthquake insurance. Are the other 83 percent of Californians in denial or are they making a financially rational decision? Unless you’ve experienced a big Read More

Do I Really Need Earthquake Insurance?

Safeguarding Your Home From California Shakes If you are going through the internal debate of whether or not to purchase earthquake insurance, you must consider the following. Whether you are new to California or have been living here your entire life, all California residents can benefit from the security an earthquake insurance policy provides. As Read More

Do I have Earthquake Insurance?

No, you don’t. Ok, more accurately, unless you specifically remember buying it, you didn’t buy it. There are 2 big exclusions on a Homeowner’s policy that people worry about and wish they had, but typically don’t buy due to price.  Those two coverages: earthquake and flood.  Earthquake is a coverage that can be added to Read More

More Earthquake Troubles…

You do not have coverage for earthquake damage under your Homeowner’s Insurance policy!!! It was only 14 months ago that I was writing about the earthquake in Haiti.  New Zealand had their largest quake on record only last month, with billions in damages and many lives lost.  Which brings us to last weekend in Japan Read More

How does Earthquake Insurance work?

When you think of the things that can damage your home like fire, wind, water, flood and earthquake, you are making a list of “perils”.  At least that is how they are described in your Homeowner’s Insurance policy.  Most Homeowner’s policies are “open peril” or “all risk” policies, but even those names are tricky.  For Read More

Does Homeowners Insurance include Earthquake Insurance?

Does Homeowners Insurance include Earthquake Insurance? No, no, no, no, no.  Your Homeowner’s policy specifically excludes the peril of earthquake, unless you specifically add the coverage back on for a premium.  With lots of large earthquakes being reported in the news lately, we’ve received an increased interest in this coverage question.  I live in California, Read More

Earthquake Insurance in Northern California

You’ve seen the pictures of the massive damage caused in Haiti by an earthquake.  Then Chile.  The Samoa.  Then Indonesia.  And then a week ago it was a just few miles south of the border, making Californians.  For those of us who’ve been in the Golden State for a while, this one was too close for Read More