Home Insurance Explained
Learn about home insurance policies and why it is not just a good idea, but a necessity if you have a mortgage.
Home Insurance Plans
Information on the seven basic home insurance plans and the 11 disasters that are usually covered.
Renters insurance information about specific coverages, replacement costs and actual value, deductibles, and loss of use coverage.
Find out what to look for in considering a flood insurance policy.
Is your home insured against an earthquake? Factors to consider with an earthquake insurance policy.
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Learn about mobile home insurance and what coverages are optional or extra.
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What is the best option for insurance if you have a home office?
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Something to keep in mind about this insurance is that a traditional homeowners insurance policy doesn't include coverage for earthquakes. If you live in a earthquake-prone area, this coverage may be a nice addition to your current policy.
In general, typical earthquake insurance covers the expenses that come with repair/replacement of damaged property. There are various options to choose from as well- including coverage to protect garages/accessory structures, personal contents within your home, as well as temporary living expenses if your home is destroyed.
Factors too keep in mind, which may affect your premium:
-Age of your home (older homes tend to cause a jump in premium)
-Is your home constructed of brick or wood?
Homes constructed of wood are better able to withstand the forces of an earthquake, and therefore you'll experience a lower premium
-The homes location
Your geographic area is rated in terms of a probability of a quake occurring; a higher probability will point to a higher overall premium.
How much is enough?
If/when you decide to purchase earthquake insurance, obtain enough coverage to shield the costs of a complete rebuild, in addition to your lost/damaged possessions. Base your figures on the actual cost of rebuild, as opposed to the market value of your current home/possessions.
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