Earthquakes can cause significant damage to your home and property. Since earthquake insurance varies greatly and isn’t something that’s typically included on a homeowners policy, it’s important to understand your risks and which policies will offer you the greatest coverage and peace of mind.
As an independent insurance agency, Comma Insurance is generally able to offer you multiple options for earthquake insurance, not just a one-size-fits-all solution.
Be sure to look at what earthquake insurance does and does not cover:
If your agent only offers you earthquake insurance as a low cost endorsement to your existing homeowner’s or renter’s insurance policy, be sure to look at what it does and doesn’t cover:
Additional living expenses?
Enough to rebuild your home?
Damage to brick and masonry?
Did you Know?
Often, endorsing earthquake coverage onto a policy leaves consumers with the impression they are fully covered for damage in an earthquake, when in reality, many insurers typically don’t cover cosmetic damage to brick exteriors, or they have very high earthquake insurance deductibles – like 15-20% of your home value – before any benefits apply.
The professionals at Comma Insurance can help evaluate your risks and offer you a range of options so you can purchase earthquake insurance confidently, knowing that the coverage makes sense for you. Give us a call today to learn about your options and get a quote for earthquake insurance.