Just having a standard homeowners policy can protect you from a lot of things, but you also want to make sure you’re covered if there’s an earthquake. California has had many earthquakes, and the most recent was nearly a 6.0. That’s enough to do some damage, depending on how close you are to the epicenter. There’s no evidence that the earthquakes will stop or decrease in frequency, so being prepared is vital.
It’s not just about fixing your home so you can live there again. You’ll also need to have a place to stay during the repairs to your house. If you don’t have good earthquake insurance you may not have that financial coverage. That can be disastrous, especially if you don’t have a lot of money to spend on renting another place or replacing furniture and belongings. It’s easy to think that it won’t happen to you, or just assume you’re covered. Both of those are dangerous ways to look at the world. Find out what coverage you really do have, and see about adding proper earthquake coverage to your policy. If a quake ever damages your home, you’ll be glad you have protection from financial ruin.
For more information on earthquake insurance in the Pleasant Hill, CA area, contact Lou Aggetta Insurance Services today.