Living in California allows you to enjoy all the beauty that comes along with living on the coast. It also comes with the threat of experiencing an earthquake. With the recent 6.0 magnitude earthquake in Napa, there is no better time to invest in an earthquake insurance policy.

While a homeowners insurance policy will provide coverage in many situations, it will not provide any coverage from damage that is caused by an earthquake. The only way to make sure that you have the right amount of protection is to invest is a specific earthquake insurance policy.

There are many reasons that homeowners falsely believe that they do not need to invest in an earthquake insurance policy, including:

• Their home has survived past earthquakes. Each earthquake is different. Just because your home survived past earthquakes with little or no damage, it does not mean it will survive the next quake.
• Their home is bolted to the foundation. While retrofitting your home is one of the first steps you should take to help protect your property, it does not guarantee that your home will be safe.
• They will get a loan from FEMA. Most homeowners qualify for a FEMA loan if their home is damaged or destroyed by an earthquake. It is important to remember, however, that the loan will need to be paid back, unlike the aid that comes from an earthquake insurance policy.
• They plan on giving their home back to the bank. Giving your home back to the back does mean that you will not have to pay for any of the damages, but it also means that you will ruin your credit and lose all the equity that you had built.

For all of your earthquake insurance coverage needs throughout California, contact Jack Stone Insurance Agency, Inc. in Brentwood.