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Earthquakes Happen Earthquake Insurance Wikepedia California Earthquake Insurance is from the state of California Earthquake Insurance Pool Earthquake Insurance Resources Insurance Companies Japan has earthquakes and Japan has earthquake insurance Washington Earthquake Insurance resources from E-Quake Insurance Equake Insurance Contact auto insurance business insurance car insurance company insurance dental insurance health insurance home insurance insurance life insurance medical insurance rental insurance travel insurance Department of Insurance Insurance www.equakeinsurance.com equake |
Many property owners utilize earthquake insurance to help defray the expense of costly earthquake repairs. Earthquake Coverage Every offer of earthquake insurance must provide coverage for your dwelling, for your personal property Stand-alone policies are offered by a few specialty insurance companies who do not require you to purchase your homeowners insurance from them in order to offer you earthquake coverage. Additional coverage can include costs for the following: • Temporary rental home, apartment, or hotel room • Restaurant meals • Telephone or utility installation in a temporary residence • Relocation and storage • Furniture Rental • Laundry Earthquakes are a different type of disaster from fire, auto, or life coverage. They differ because in an earthquake everyone in the region has the loss at the same time. This introduces logistical difficulties for insurance companies, who may need to go for many years in a row with no claims at all, and then cover enormous claims all at once. With fire, auto, and life insurance claims, the losses are smaller and more frequent, and the statistics are thoroughly understood. Some people believe that after earthquakes the government will step in with aid so that they will not lose out financially. That is not generally true. The government is likely to provide disaster aid, but it does not protect the individual homeowner from loss. The most common Federal aid after a disaster is low-interest loans, but you still need to pay the loan back. Recently the Federal Emergency Management Agency has also encouraged projects to mitigate (reduce) the effects of possible future earthquakes. The idea is that a little spent now for mitigation will prevent larger losses at a future time. |
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