Earthquake Insurance Quote Forms
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Earthquake Insurance Information
The risk of earthquakes is a part of living in California. They are unpredictable and can cause extensive property damage. With this concern, earthquake insurance can help provide protection against financial losses. Your knowledgeable agent at Riverside Insurance Agency can help find the right policy for you.
What Is Earthquake Insurance?
Earthquake insurance can help protect your home and belongings if they are lost or damaged due to an earthquake. Typically, earthquake insurance policies provide:
Personal property coverage: This may help cover your lost or damaged personal items within your house, such as furniture and electronics.
Additional living expenses (ALE) or loss of use: This may help cover temporary costs to live elsewhere while your home is being fixed or if you have to evacuate the area.
Earthquake Insurance and Homeowners Insurance
While earthquake insurance and homeowners insurance can help protect your home and belongings, they provide separate coverages. Generally, homeowners insurance does not cover damage due to earthquakes, and earthquake insurance typically does not duplicate the coverages homeowners insurance offers. Contact your insurance agent to discuss the specific differences between earthquake insurance and homeowners insurance.
How Much Does Earthquake Insurance Cost?
Earthquake insurance policies vary and several factors (e.g., your home’s age, location and construction materials) weigh into its costs. Additionally, coverage limits and deductibles may affect premiums.
Choosing the Right Policy
When considering earthquake insurance, it’s important to review them carefully and to understand their coverages, exclusions and limitations. Riverside Insurance Agency can help you with this information and can offer recommendations for your needs and budget. Visit our website at www.ria-cb.com for more details or for a quote.