Californians are no strangers to earthquakes, with thousands of rumblings shaking the Golden State annually. Since your home is one of your greatest financial assets, it is necessary to protect your assets from earthquakes with reliable earthquake insurance in Brentwood, CA. The team at Jack Stone Insurance Agency can help you evaluate the potential risks to build the right policy for you.
Many people simply do not understand that their homeowners’ insurance may not cover any form of damage by earthquakes. California homeowner policies typically cover such items as liability, fire, and theft. However, coverage against flooding and earthquakes may be excluded from the average home policy due to being a mass-destruction events. Unfortunately, many California homeowners do not take the time to review their home coverage, and end up assuming that earthquakes are covered. They only find out when disaster strikes and learn that their damage is not covered.
Earthquake insurance policies vary in coverage and cost, so finding the right insurance plan for you will depend on many variables. Earthquake insurance is designed to repair or rebuild your home if it is damaged in an earthquake. Although it may cover some contents, it may not replace all items. Some policies may cover additional living expenses if you are forced to relocate while your home is being repaired.
As with all policies, earthquake coverage has exclusions. Earthquake insurance does not cover damage to vehicles, the land around a home or anything covered by a home insurance policy. Make sure you know what your earthquake and homeowners insurance policies cover – and what they do not.
Generally, the more coverage you opt for, the higher your premium. However, with the help of an independent insurance agency, you may be able to find ways to lower your earthquake insurance costs. For example, when you take out two or more policies with the same insurer, such as an earthquake insurance policy with a homeowners insurance policy, you may be able to save money through this bundling method.
The independent insurance agents at Jack Stone Insurance Agency are here to help! We believe in developing trusted relationships with all of our customers, so we will go out of our way to ensure you are prepared for future earthquakes with earthquake insurance in Brentwood, CA.