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Earthquake Insurance

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Browne Insurance/ earthquake insurance

Earthquake Insurance Provided By Our Agency

While you can’t plan for earthquakes, you can be prepared — and that can make all the difference. Earthquake coverage can help cover your finances if something happens to your home, condo or rental unit. Because damage from earthquakes isn’t typically covered under standard homeowners, condo or renters policies, it’s key to get coverage even if you’re not living in California or Hawaii.

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Dwelling
Personal Property
Additional Living Expenses

Dwelling coverage

Risk Factors

An earthquake can damage your home and the internal structure of your home. You must pay for repairs from your pocket if you don't have coverage.

Solution

This coverage accounts for the rebuild or repair cost of the home and other structures on the property in the event of earthquake damages.

Personal property coverage

Risk Factors

An earthquake can cause damage to your interior furniture & fixtures, and you are bound to pay for their replacement.

Solution

If your personal property, like furniture, electronics, or other valuables, is damaged in an earthquake, you are covered up to certain limits.

Additional living expenses coverage

Risk Factors

While your house is under repair, you need another place to stay, like a hotel. If you don’t have enough coverage, you need to pay the accommodation expenses yourself.

Solution

This coverage pays additional living expense costs needed if you are required to live elsewhere temporarily due to earthquake damage to your home.

What is Earthquake Insurance?

Earthquake insurance covers damage to your home, personal belongings and additional living expenes if you need to temporarily live somewhere else after an earthquake. Standard homeowners and renters insurance policies typically don’t include earthquake coverage, but you may add it to an existing homeowners insurance policy as an endorsement or purchase it as a separate policy.

What is covered under Earthquake Insurance?

Standard homeowners insurance policies generally don’t cover damage from earthquakes and floods. That’s why people buy separate earthquake insurance – or flood insurance if you live in an area prone to those disasters. Here are some things covered by earthquake insurance once you’ve paid your earthquake deductible:
  • Earthquake damage to the home or other structures on the property
  • Earthquake damage done to personal property
  • Additional living expenses if earthquake damages make your home temporarily uninhabitable

Why is Earthquake Insurance important?

Earthquake insurance is worth it if you live in a high-risk area
  • Earthquake insurance is not included in standard homeowners insurance but must, instead, be purchased as a separate rider.
  • States located near fault lines (California, Alaska, Oklahoma, etc.) are more likely to experience earthquakes.
  • You should consider purchasing earthquake insurance if you live near a fault-line or high risk area.

We don’t think the unthinkable will happen until it does. But the very essence of insurance is to help us be prepared for the unthinkable and to lower our financial burden of losses. Earthquake insurance is no exception. Adding an earthquake endorsement to your homeowners insurance policy will help to protect you from minor or catastrophic losses resulting from an earthquake. If you live near an active fault line or in a high or moderate risk area, earthquake insurance may be essential to your peace of mind.

Call us now to know more about Earthquake insurance.

Already have Earthquake Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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About Browne Insurance Services

Browne Insurance Services helps you choose from a variety of personal insurance and business insurance solutions.

LIC# 0M71320
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.
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