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