Does My Commercial Building Need Earthquake Insurance?

We know that earthquake insurance covers homes, but will it cover your commercial building? Catastrophic earthquake disasters happen only in select regions of the country, which are located by the faults–most notably the San Andreas fault. If your business lies around this area, any earthquake may crumple it to the ground. Earthquake insurance will financially Read More

What to Consider When Buying Earthquake Insurance in Sacramento, CA

Earthquakes have the potential to completely devastate your home. Here’s a look at what you should know about earthquake insurance in Sacramento, CA. Earthquake insurance covers some of the losses and damage that an earthquake can cause to your home, assets, and other buildings in your property. Unlike homeowners insurance, which is required if you 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