Most people don’t consider earthquake insurance unless they live in earthquake-prone areas, and even then many don’t purchase policies because of high premium costs and deductibles. Some mistakenly believe they are covered under different policies. It’s worth a few minutes of your time to investigate your potential needs for earthquake insurance.
Earthquake insurance is sold through private insurance companies, usually as an endorsement (addition) to your homeowner’s policy. (In California, it’s coordinated through the California Earthquake Authority). It covers damages to your home and belongings due to earth movement. This may include sinkholes and mudslides as well as earthquakes — check individual policies for the full definition.
Do you need earthquake insurance at all? First, check to see what, if anything, is covered by your homeowners’ insurance or other policies. That way, when you assess the costs you’ll know what type of policy you need to fill any cov…
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