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Earthquake Insurance Information
Earthquake Insurance in California
Living with the threat of earthquakes is part of living in California. Even with a homeowners insurance policy in place, you may still be at risk of financial loss due to the damage earthquakes can cause.
Ted Hamm Insurance offers insurance plans that can help financially protect your home and your personal belongings. Contact them today for more information regarding earthquake insurance.
What Is Earthquake Insurance?
Earthquake insurance can offer protection against financial losses arising from these unpredictable events. Earthquake coverage may provide:
Dwelling coverage: If the earthquake damages structure of your house, this coverage may help with the costs to repair or rebuild it. Structures attached to your home may also be covered.
Personal property coverage: If your personal property items such as furniture, clothing or electronics are lost or damaged due to an earthquake,this coverage may help repair or replace them.
Loss of use coverage: Also known as additional living expenses (ALE) coverage, this may help pay forthe added costs you incur if you must live elsewhere while your home is being fixed or rebuilt.
Other available coverages may include protections for breakables or decorative exterior masonry veneers. Contact Ted Hamm Insurance to discuss the options, coverages, exclusions and limits.
How Much Does Earthquake Insurance Cost?
Several factors may affect the price of earthquake insurance. Variables, including the age of your house, its location and its construction materials factor into its costs along with the selected deductibles and coverage limits. Ted Hamm Insurance can work with you to find a policy that meets your needs and budget.
Why Should I Consider Earthquake Insurance?
Standard homeowners insurance policies generally do not cover damage caused by an earthquake. Securing earthquake insurance could provide supplemental protection for your home and belongings.
Choosing the Right Policy
When searching for the best earthquake insurance policy, it is crucial to understand coverages, exclusions and limitations. Ted Hamm Insurance can help you navigate this information, and they can offer recommendations for your specific situation. Contact us today or visit our website for more information or to request a quote.