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If you live in the State of California, you may be aware at the high risk of earthquakes that residents in the Golden State face every day. Buying earthquake insurance may be something that you should consider if you own a home and want to protect yourself and your family from any financial disasters that could occur in the case of an earthquake.


But some may question whether buying earthquake insurance is a worthwhile investment. Many balk at the premium prices that they’re looking at for most earthquake insurances. These plans can be expensive and have a deductible as high as 15% of the coverage. In any case, it is always best to talk to an insurance broker who can help you lower costs and get the best coverage you need.


However, if it is within your budget, it is highly recommended that you buy earthquake insurance to protect your home. Earthquakes may cause severe damage to your property, and the repairs required may be even more expensive than buying an earthquake insurance that will help you financially in the case of an earthquake.


If you are renting a home, chances are earthquake insurance may be required by your lender. Always read and review the documentation with your lender to find out if it is required. In the case of an accident, you may have your loan called if an earthquake occurs and you are not insured as required by your lender agreement.


It is also important to note that most home policies don’t cover earthquakes. Due to the fact that Acts of God cannot be assessed for risks, these policies cannot properly offer coverage that will ensure you are completely protected. Earthquake insurance would be something you have to get in addition to your existing home policy.


Cars are sometimes covered by earthquake insurance if it is included in your policy. Most private insurers will offer premiums that will protect your vehicles if they are damaged in an the case of an earthquake.


If you live in California, where earthquakes are quite common, it may be best to look into whether earthquake insurance is a good option. If it is within your budget, it is highly recommended that you protect yourself and your home financially so that you do not face economic disaster in the case of an earthquake. Talk to your insurance broker to find out more about your options.

Posted 4:02 PM

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