6994 El Camino Real
1. Most home insurance policies do not cover earthquake damage. 2. Even if you don’t live in an area where earthquakes are common, you may still need earthquake insurance.
Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. For many of our neighbors in San Diego, earthquake insurance can be inexpensive.
Most homeowner, condo and rental insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy. You may be able to choose to purchase earthquake insurance from the same company that provides your home insurance, from a specialized earthquake insurance provider, or from an independent organization such as the California Earthquake Authority (CEA).
Does California really need earthquake insurance?
In all likelihood, almost the entire US would be better protected by purchasing earthquake insurance. Consider the facts:
Earthquake insurance provides coverage if your home is damaged by an earthquake. Standard homeowner and renters policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner or renters policy.
An earthquake endorsement generally excludes damages or losses from floods and tidal waves – even when caused or compounded by an earthquake. However, if you experience a loss due to a landslide, settlement, mudflow, or the rising, sinking and contracting of earth, your endorsement may cover it if the damage resulted from an earthquake.
There are several options to consider when purchasing earthquake insurance, including:
Earthquakes can happen in California – here’s how you can protect yourself
If you are inside when an earthquake hits, stay inside and get under a heavy table or desk. Stay away from windows. Do not evacuate the building unless emergency personnel direct you to leave.
If you are outside, get away from buildings and power lines, and remember that stone and masonry facings can break loose and fall away from upper parts of buildings.
If you are in a car, stop safely away from structures, large trees, power lines, and other hazards. Stay inside the vehicle.
Keep in mind: